Hajj is a pillar of Islam, obligatory for every Muslim who meets specific conditions. But for those with debt, a pressing question arises: Can I perform Hajj before paying off what I owe?
The answer depends on your ability to repay debts on time. Scholars clarify that Hajj is permissible with debt under certain conditions.
Is Hajj Permissible While in Debt?
Yes, If Repayments Are Not Affected
Performing Hajj while in debt is allowed if:
- You can continue repaying debts on schedule.
- Hajj expenses won’t delay or reduce payments.
- Delayed payments won’t incur penalties (e.g., interest).
For example, if you have a stable income and your Hajj savings don’t interfere with monthly installments, Hajj is permissible. However, if the trip risks late payments or added interest, it’s better to delay Hajj.
While Hajj is allowed with debt, scholars strongly advise clearing debts first—especially interest-bearing loans (like mortgages). Interest (riba) is prohibited in Islam, and reducing such debt is a priority.
If you’re close to paying off a loan, focus on completing it first. This ensures financial freedom and avoids sin from unpaid interest.
Evidence
- Scholarly Ruling: Shaykh Faraz A. Khan states Hajj is permissible if repayments stay on track.
- Islamic Principle: Hajj is obligatory only for those financially and physically capable (Quran 3:97).
- Fiqh Source: Ibn Abidin’s Radd al-Muhtar supports Hajj validity for debtors who meet conditions.
Shaykh Faraz A. Khan emphasizes that debt doesn’t cancel Hajj’s obligation, but timely repayment is critical. For instance, a person with a car loan who can pay installments during and after Hajj may proceed.
The Quranic verse highlights that Hajj is required only for those with means. Debtors with stable income and assets (after deducting liabilities) meet this criterion. However, using unlawful income (e.g., haram earnings) invalidates Hajj’s spiritual rewards.
Bottom Line
Yes, you can perform Hajj with debt if repayments stay on track and funds are halal. Prioritize clearing interest-based debts first.
Consult a scholar if unsure. Remember, Hajj is about sincerity—ensure your journey aligns with both spiritual and financial responsibilities.
Got a question? Feel free to ask mufti and get quick answers.
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