Is it permissible for the buyer to pay the price of the commodity to the seller in advance, on condition that he receives a discount upon delivery in exchange for paying the amount at a time when the seller is in need, given that the agreed-upon price of the commodity is less than the market price at the time of delivery?
This transaction is a loan conditioned on the borrower selling you a commodity for less than its market price. This is impermissible and unlawful because the Prophet, peace and blessings be upon him, forbade combining a sale and a loan, and because it involves conditioning one contract upon another.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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