Will Allah Help Me Pay Back My Loans?

Hanafi Fiqh

Answered by Shaykh Yusuf Weltch


I’m going through a trial from Allah Most High regarding wealth or lack thereof. I’m the only breadwinner in my family, but somehow or rather, it’s barely enough. Recently, I made a mistake by making some loans to pay off some debts. But now it seems they cannot service the loans, and they have chased me.

Will Allah Most High help me with my problems in paying back the loans? How do I go about it in getting Allah’s help?


In the Name of Allah, the Most Merciful and Compassionate

Sincere Repentance

Allah Most High says, “If you help Allah, Allah will help you and make firm your feet.”
[Quran, 47:07]

If one is truly sincere, repents from their sin, and strives to reconcile their state, Allah Most High will undoubtedly accept their repentance and help that back to the straight path.

Conditions of Sincere Repentance

Take the following steps:

  • Repent to Allah by regretting your actions and making a solid resolve to never return to such things.
  • Make a financial plan for a realistic way to pay back your debts as soon as possible.
  • Recite the following supplication morning and evening

Supplication for Protection from Debt

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الهَمِّ وَالحَزَنِ، وَالعَجْزِ وَالكَسَلِ، وَالبُخْلِ وَالجُبْنِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ

“O Allah I seek refuge in you from worry and grief, incapacity and laziness, miserliness and cowardice, the burden of debt and the overpowering of people.” [Bukhari]

Hope this helps
Allah A’lam

[Shaykh] Yusuf Weltch
Checked and Approved by Shaykh Faraz Rabbani

Shaykh Yusuf Weltch is a teacher of Arabic, Islamic law, and spirituality. After accepting Islam in 2008, he then completed four years at the Darul Uloom seminary in New York where he studied Arabic and the traditional sciences. He then traveled to Tarim, Yemen, where he stayed for three years studying in Dar Al-Mustafa under some of the greatest scholars of our time, including Habib Umar Bin Hafiz, Habib Kadhim al-Saqqaf, and Shaykh Umar al-Khatib. In Tarim, Shaykh Yusuf completed the memorization of the Qur’an and studied beliefs, legal methodology, hadith methodology, Qur’anic exegesis, Islamic history, and a number of texts on spirituality. He joined the SeekersGuidance faculty in the summer of 2019.