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Selling a car to a buyer who borrowed its price from an interest-based bank

بيع سيارة لمشترٍ اقترض ثمنها من بنك ربوي

A question from a car dealer about selling a car to someone who borrowed its price from an interest-based bank, in which Jordan's General Iftaa Department answered that there is no objection if the loan was taken before the sale, but it is forbidden if the loan is granted only on papers the seller provides to complete the sale. The Department answered that a seller is not required to ask the buyer where his money comes from, because the sin of the forbidden attaches to the one who commits it, not to the money itself, unless the money itself is stolen. It said there is no objection to selling goods to someone who has already obtained an interest-based loan, because the loan was concluded with no link to the sale contract and did not depend on it, so the sale gives no help to usury. It said it is forbidden to sell to someone who wants to buy with an interest-based loan that is granted only once the seller supplies the papers needed to complete the sale, because that helps him do what is forbidden. It concluded that if the buyer has already obtained the loan and brings the money, there is no objection to selling to him and the sin of usury rests on whoever dealt with the bank; if he has not yet obtained it and asks for papers to help him get it, helping him is forbidden.

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Summary

A question from a car dealer about selling a car to someone who borrowed its price from an interest-based bank, in which Jordan's General Iftaa Department answered that there is no objection if the loan was taken before the sale, but it is forbidden if the loan is granted only on papers the seller provides to complete the sale. 1

The question

A car-showroom owner asked whether he may sell a car to a person who took its price as a loan from an interest-based bank. 1

The answer

The Department answered that a seller is not required to ask the buyer where his money comes from, because the sin of the forbidden attaches to the one who commits it, not to the money itself, unless the money itself is stolen. 1 It said there is no objection to selling goods to someone who has already obtained an interest-based loan, because the loan was concluded with no link to the sale contract and did not depend on it, so the sale gives no help to usury. 1 It said it is forbidden to sell to someone who wants to buy with an interest-based loan that is granted only once the seller supplies the papers needed to complete the sale, because that helps him do what is forbidden. 1 It concluded that if the buyer has already obtained the loan and brings the money, there is no objection to selling to him and the sin of usury rests on whoever dealt with the bank; if he has not yet obtained it and asks for papers to help him get it, helping him is forbidden. 1

About this record

Jordan's General Iftaa Department published this fatwa on aliftaa.jo as no. 3923, dated 18 November 2024. 1 The museum records this text as a historical document attributed to the body or scholar that issued it; it issues no ruling of its own.

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Riba in the rulings: the forbidden excess in exchange and in delay, its kinds, its causes and its rulings

People and things also explored

A charity accepting a commercial bank's support in return for thanking it in posts· A loan whose interest is paid by another party· Administrative fees on an interest-free loan card· Arranged invoices to obtain cash from Islamic banks· Buying an online game account in instalments· Buying gold bars through an app· Court-awarded legal interest· Financing a Ramadan iftar invitation in instalments

Sources

  1. Jordan's General Iftaa Department (aliftaa.jo) , fatwa 3923

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islam.museum contributors. “Selling a car to a buyer who borrowed its price from an interest-based bank”. islam.museum, https://islam.museum/en/work/fatwa-aliftaa-jo-selling-a-car-to-a-buyer-with-an-interest-loan/. CC BY-SA 4.0. Last updated 2026-11-01.

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A charity accepting a commercial bank's support in return for thanking it in posts

A question about a charity accepting support from a commercial bank in return for thanking it in posts, videos and advertisements, in which Jordan's General Iftaa Department answered that donations from interest-based banks may be accepted if no promotion is required, that thanks given orally or by letter are fine, and that thanks through advertisements and posts are forbidden because they amount to promotion. The Department answered that promoting and advertising banks and financial institutions that deal in usury is forbidden, because it is assisting in what is forbidden. It said there is no objection to dealing with someone whose wealth is mixed between lawful and unlawful, or even mostly unlawful, so his gift or donation may be accepted unless the specific money given is known to be unlawful, provided this is not tied to promoting the donor; it quoted Ibn Hajar al-Haytami's answer in al-Fatawa al-Fiqhiyya al-Kubra that dealing with someone most of whose wealth is unlawful is disliked unless the unlawful item itself is known. It distinguished ways of thanking a supporting bank: oral thanks to its management, or a letter of thanks, are unobjectionable; thanks published in advertisements and videos are not permitted, because they amount to promotion. It concluded that donations from interest-based banks may be accepted if they do not require promotion, but are forbidden if given in return for promotional work, such as thanks in posts and advertisements.