Get Out of Debt with Dua

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As-salaamu alaykum,

Are you in debt, soon will be or know someone that is? If yes, then the following dua (supplication) is surely, in shaa Allah, worth learning, memorizing and sharing.

In a sound hadith in Saheeh At-tirmithi it was narrated that a man who was in debt came to Ali ibn Abi Talib raḍyAllāhu 'anhu (may Allāh be pleased with him) seeking his help to pay off some of his due payment. Ali –may Allah be pleased with him- told him:

“Shall I not teach you some words [i.e. a dua] which the prophet ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him) taught me, if you said it, Allah will take care of your debt even if your debt was as big as a mountain.”

Ali then said to the man,

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“say:

اللَّهُمَّ  O Allah [Allahumma]

اكْفِنِي بِحَلاَلِكَ عَنْ حَرَامِكَ Suffice me with that which is lawful against that which is prohibited. [Ekfenee behalaleka ‘an haraamek]

وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ  and make me independent of all those besides You [Wa aghnenee befaDleka ‘am-man sewaak]

Here we are begging Allah subḥānahu wa ta'āla (glorified and exalted be He) to help us pay off our debt using lawful and permissible avenues and not through impermissible resources such as by stealing peoples’ money and accepting bribery or by any other haram means. And to make us dependent on Allah and no one else.

I have personally known someone who learned this dua and practiced saying it while simultaneously working so hard to earn lawful income and now he is paying off his debt at an unbelievable fast pace, ma shaa Allah. Even the debt collector cannot believe how fast the brother is paying him back the loan, but I do believe it.

I ask Allah to help us pay off our debts and assist us in saying the aforementioned dua with eman and certainty. May Allah bless you. Feel free to share this post to benefit your brothers and sisters.

Wassalaamu alaykum,

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11 responses to “Get Out of Debt with Dua”

  1. Ali Colak says:

    Assalamualaykum,
    Though this dua is specifically prescribed in the case of a debt, is there anything in using it outside of that. It is one of the most beautiful duas I have read and has applications generally even in our everyday lives.

  2. Haji Abdul Kareem Nandasena says:

    May ALLAAH Shower More Blessings upon You. WasSalaam.
    Haji Abdul Kareem Nandasena.
    Sri Lanka.

  3. Sainsha Iqbal says:

    It is one of the most beautiful duas I have read and has applications generally even in our everyday lives & I Has been doing Regularly, Jazaak Allah_Qhair.

  4. Umm Hadi says:

    Asak,
    May Allah protect us all, keep us away from RIBA. Takabbal Allahu minna wa minkum
    RIBA – freewill slavery…..

  5. […] Get Out of Debt with Dua – Are you in debt, soon will be or know someone that is? If yes, then the following du’a (supplication) is surely, in shaa Allah, worth learning, memorizing and sharing. In a sound hadith in Saheeh At-tirmithi it was narrated that a man who was in debt came … […]

  6. Fatima says:

    This dua is undoubtedly the magical words – it is mesmerising that Allahtala taught us these words through Prophet Peace be upon him . It works better than magic .
    In just 3 months I had returned around £8k debts which wasn’t possible with my hand to mouth income .
    Subhanalllah
    May Allah protect all Muslims from unlawful income or deeds and forgive all of us Ameen ya rabbul alameen

  7. ahmad says:

    assalam alaykum

    thanks for beautiful dua
    allah will help us all and he will sure

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