Is it permissible to take out a loan from a bank to spend on necessities that the grant is insufficient to cover?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Borrowing from a bank with interest is usury (riba) forbidden by Islamic law. You must avoid it and seek another means to solve your problem, such as reducing monthly expenses. However, if a person is truly compelled by a genuine necessity, such as fearing death from starvation and being unable to avert it except through interest-based borrowing, then we hope there will be no sin upon him; for Allah Almighty says: "And He has already explained to you what He has forbidden to you, except for that to which you are compelled."
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/47769
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 47769
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy