Debt can feel like a heavy burden that affects not just your wallet but also your mental and spiritual well-being. In Islam, financial responsibility is a serious matter, and seeking Allah’s help through Dua (supplication) is encouraged. In this article, we’ll explore powerful duas to get rid of debt, authentic Hadiths related to loans, and practical tips for debt relief from an Islamic perspective.
Why Dua Is Important in Times of Financial Stress
In Islam, dua is not just a ritual — it is a direct conversation with Allah (SWT). The Prophet Muhammad (ﷺ) said:
“Dua is the weapon of the believer.” (Hadith – Al-Hakim)
When you’re drowning in debt, turning to Allah sincerely and consistently can bring relief, guidance, and even miracles.
1. Powerful Dua to Get Rid of Debt – From Hadith
One of the most recommended duas by the Prophet Muhammad (ﷺ) for relieving debt is:
Arabic:
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Transliteration:
Allahumma akfini bihalalika ‘an haramika, wa aghnini bifadlika ‘amman siwaka.
Translation:
“O Allah! Suffice me with what You have allowed instead of what You have forbidden, and make me independent of all others besides You.”
(Narrated by Tirmidhi – Hasan)
Recite this dua regularly after every prayer (Salah), especially after Fajr and Maghrib.
2. Dua That the Prophet (ﷺ) Taught for Debt Relief
Another effective and famous dua is:
Arabic:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْجُبْنِ وَالْبُخْلِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ
Transliteration:
Allahumma inni a’udhu bika minal-hammi wal-hazan, wal-‘ajzi wal-kasal, wal-jubni wal-bukhl, wa dal’id-dayni wa ghalabatir-rijal.
Translation:
“O Allah! I seek refuge in You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and being overpowered by men.”
(Sahih al-Bukhari 6369)
Make it a habit to read this every morning and evening.
3. Surahs and Verses for Financial Help and Debt Relief
Apart from specific duas, certain Surahs (chapters of the Quran) are also helpful when recited with faith:
Surah Al-Waqiah (Chapter 56)
Known as the “Surah of Wealth,” reading it every night is said to bring barakah (blessings) in rizq (sustenance).
“Whoever recites Surah Al-Waqiah at night will never suffer from poverty.”
(Mentioned in Ibn Asakir)
Ayat for Barakah in Wealth:
Recite this Quranic verse for barakah and financial increase:
Surah Al-Talaq – Verse 2-3:
“And whoever fears Allah – He will make for him a way out. And will provide for him from where he does not expect.”
4. Tips to Get Out of Debt (Alongside Dua)
While dua is powerful, Islam also encourages practical action:
- Avoid interest-based loans (Riba) – it brings no barakah.
- Track your expenses using budgeting tools or apps.
- Pay in small installments but regularly.
- Cut down non-essential expenses.
- Work or freelance part-time if possible for extra income.
5. Best Times to Make Dua for Debt Relief
Timing matters in dua. The most effective times include:
- During Tahajjud (last third of the night)
- On Fridays (especially between Asr and Maghrib)
- When fasting and at the time of breaking the fast
- During sujood (prostration) in prayer
6. Real Stories of Debt Relief Through Dua
Many Muslims around the world have shared personal experiences where, after consistent dua and effort, miraculous debt relief occurred—unexpected jobs, forgiven debts, or new financial opportunities.
Always maintain tawakkul (trust in Allah) and continue your efforts.
Conclusion
Getting rid of a loan isn’t just about numbers—it’s about faith, patience, effort, and dua. Consistently reciting these powerful duas, acting responsibly with your finances, and trusting Allah will eventually lead to ease.
“So, verily, with every difficulty, there is relief.” (Quran 94:6)
FAQs About Dua for Debt Relief
Q1: Can I recite multiple duas for debt together?
Yes, you can combine duas in your daily routine.
Q2: How many times should I recite the dua for loan relief?
There’s no limit, but consistency matters. Many scholars recommend 3x, 7x, or 100x daily.
Q3: Can I make dua in my own language?
Absolutely. You can talk to Allah in any language that brings your heart closer to Him.