Guides
Debt and your deen, answered
Honest, plain-English answers to the questions UK Muslims in debt actually ask. No jargon, no judgement, no lending.
We connect you with regulated debt advisers. We are not a lender.
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Is there a halal way out of debt?
Yes. How halal debt relief works in the UK, without taking on new riba, in plain English.
Read the guideIf it weighs on you
I'm paying interest on my debt. Is that a sin?
What scholars have said about riba you are already in, and what the UK actually allows you to do about it.
Read the guideThe question people ask
Is an IVA halal?
There is no single agreed ruling. What the sources say about someone who cannot pay, what an IVA involves, and what to ask a scholar.
Read the guideThe honest answer
Is there a halal loan to pay off my debt?
No, not in the way most people mean. What Islamic finance in the UK actually covers, the interest-free help that does exist, and what to do instead.
Read the guideThe question people ask
Is bankruptcy haram in Islam?
There is no single agreed ruling. What the Qur'an and the Sunnah say about someone who cannot pay, what UK bankruptcy involves, and what to ask a scholar.
Read the guideFrom the Sunnah
Duas for getting out of debt
The authentic duas the Prophet ﷺ taught for debt, with their meaning, and the practical step that goes with them.
Read the guideThe basics
Islamic finance and UK debt solutions
What riba is, and how DMPs, IVAs and DROs look through the lens of Islamic finance.
Read the guideGetting help
Urgent help: grants, food banks and free support
For when it cannot wait: zakat hardship grants, food banks, free debt charities and crisis lines.
Read the guideOur approach
How we approach what is halal
The Islamic principles behind our guidance: riba, gharar, and the scholarly views we rely on.
Read the guideRather talk it through?
A free, confidential, no-judgement chat about your situation, then we connect you with an FCA-authorised adviser who understands your values.