7 Powerful Dua For Debt In Meaning and Arabic
Islam takes the matter of debt very seriously and warns against it and urges the Muslim to avoid it as much as possible. The Prophet SAW said: “The one who takes people’s wealth intending to pay it back, Allah will pay it back for him, and the one who takes it intending to destroy it, Allah will destroy him.
In the Sunnah there are a number of dua for debt which specifically seek the help of Allah in praying off debts. Here are some of the dua in Arabic and English.
1. Dua For Debt In Arabic
اللّهُمَّ اكْفِني بِحَلالِكَ عَنْ حَرامِك، وَأَغْنِني بِفَضْلِكَ عَمَّنْ سِواك
Transliteration
The dua is transliterated as Allaahumma akfini bi halaalika ‘an haraamika wa aghnini bi fadlika ‘amman siwaaka.
Meaning in English
The general meaning of debt Dua is O Allaah, suffice me with what You have permitted so that that I have no need of that which You have forbidden, and make me independent of means by Your bounty so that I have no need of anyone besides You.
This dua expresses a request to Allah for financial sufficiency and independence. You seek Allah’s provision within permissible means, asking to be satisfied with what is allowed and to be kept away from what is prohibited.
Additionally, the dua asks for self-sufficiency through Allah’s blessings, eliminating the need for assistance from anyone else. It reflects a desire for financial well-being within the framework of Islamic principles and reliance on Allah’s bounty.
Dua For Debt Hadith
Al-Tirmidhi (3563) narrated from ‘Ali (may Allaah be pleased with him) that a mukaatib (slave who had entered into a contract of manumission) came to him and said:
“I am unable to pay off my manumission; help me.” He said: “Shall I not tell you some words which the Messenger of Allaah (peace and blessings of Allaah be upon him) taught me? And if you have debt like the mountain of Seer, Allaah will pay it off for you. He said: ‘Say this Dua.
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2. Dua For Debt And Anxiety
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
Transliteration
Allaahumma inni a’oodhu bika min al-hammi wa’l-hazani, wa a’oodhi bika min al-‘ajzi wa’l-kasali, wa a’oodhu bika min al-jubni wa’l-bukhli, wa a’oodhi bika min ghalabat il-dayn wa qahri al-rijaal.
Meaning in English
The meaning of this dua is O Allah, I seek refuge with You from worry and grief, and I seek refuge with You from incapacity and laziness, and I seek refuge with You from cowardice and miserliness, and I seek refuge with You from being heavily indebt and from being overcome by men.
This dua is a plea for protection and assistance from Allah in various aspects of life. You seek refuge from worry and grief, asking Allah to shield them from emotional distress.
You also seek protection from incapacity and laziness, hoping for strength and motivation. The dua continues by seeking refuge from qualities like cowardice and miserliness, indicating a desire for courage and generosity.
The specific mention of being heavily in debt and being overcome by others suggests a plea for financial well-being and protection from the burden of debt or the domination of others.
3. Dua
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ
Transliteration
Allaahumma ‘innee ‘a’oothu bika minal-hammi walhazani, wal’ajzi walkasali, walbukhli waljubni, wa dhala’id-dayni wa ghalabatir-rijaali.
Meaning in English
O Allah, I seek refuge in You from grief and sadness, from weakness and from laziness, from miserliness and from cowardice, from | being overcome by debt and from being overpowered by men (i .e. other people).
3. Dua
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ عَذَابِ الْقَبْرِ وَأَعُوذُ بِكَ مِنْ فِتْنَةِ الْمَسِيحِ الدَّجَّالِ وَأَعُوذُ بِكَ مِنْ فِتْنَةِ الْمَحْيَا وَالْمَمَاتِ اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْمَأْثَمِ وَالْمَغْرَمِ
Transliteration
Allahumma inni audhu bika minadhabi l-qabr, wa audhu bika min fitnati l-masihi d-dajjal, wa audhu bika min fitnati l-mahya wa fitnati l-mamat. Allahumma inni a`udhu bika mina l-ma’thami wa l-maghram.
Meaning in English
O Allah, I seek refuge with You from the punishment of the grave, from the afflictions of the imposter- Messiah, and from the afflictions of life and death. O Allah, I seek refuge with You from sins and from debt.
5. Dua Depression And Debt
اللَّهُمَّ إِنِّي عَبْدُكَ، ابْنُ عَبْدِكَ، ابْنُ أَمَتِكَ، نَاصِيَتِي بِيَدِكَ، مَاضٍ فِيَّ حُكْمُكَ، عَدْلٌ فِيَّ قَضَاؤُكَ، أَسْأَلُكَ بِكُلِّ اسْمٍ هُوَ لَكَ، سَمَّيْتَ بِهِ نَفْسَكَ، أَوْ أَنْزَلْتَهُ فِي كِتَابِكَ، أَوْ عَلَّمْتَهُ أَحَداً مِنْ خَلْقِكَ، أَوِ اسْتَأْثَرْتَ بِهِ فِي عِلْمِ الغَيْبِ عِنْدَكَ، أَنْ تَجْعَلَ القُرْآنَ رَبِيعَ قَلْبِي، وَنُورَ صَدْرِي، وَجَلاَءَ حُزْنِي، وَذَهَابَ هَمِّي
Transliteration
Allahumma inni ‘abduka wabnu ‘abdika wabnu amatika, naasiyati bi yadika, madin fiyya hukmuka, ‘adlun fiyya qada’uka, as’aluka bi kulli ismin huwa laka sammayta bihi nafsaka aw ‘allamtahu ahadan min khalqika aw anzaltahu fi kitabika aw ista’tharta bihi fi ‘ilm il-ghaybi ‘andak an taj‘ala al-Qur’ana rabi‘a qalbi wa nura sadri wa jala’a huzni wa dhahaba hammi.
Meaning in English
O Allah, I am Your slave, son of Your slave, son of Your female slave, my forelock is in Your hand, Your command over me is forever executed and Your decree over me is just. I ask You by every Name belonging to You by which You have named Yourself, or You have taught to any of Your creation, or You have revealed in Your Book, or You have preserved in the knowledge of the unseen with You, that You make the Qur’an the life of my heart and the light of my breast, and a departure for my sorrow and a release for my anxiety.
The Messenger of Allah (peace and blessings of Allah be upon him) entered the mosque and saw an Ansaari man whose name was Abu Umaamah.
He said: “O Abu Umaamah, why do I see you sitting in the mosque when it is not the time for prayer? He said: Worries and debts, O Messenger of Allah.
He said: “Shall I not teach you some words which, if you say them, Allah will take away your worries and pay off your debts?” He said: Yes, O Messenger of Allah. He said the above mentioned dua.
He said; I did that, and Allah took away my worry and paid off my debt. Narrated by Abu Dawood (1555).
6. Dua For Depression and Debt
The Messenger of Allah (blessings and peace of Allah be upon him) said: “No person suffers any anxiety or grief, and says this dua but Allah will take away his sorrow and grief, and give him in their stead joy:
اللهمَّ مالكَ الملكِ تُؤتي الملكَ مَن تشاءُ، وتنزعُ الملكَ ممن تشاءُ، وتُعِزُّ مَن تشاءُ، وتذِلُّ مَن تشاءُ، بيدِك الخيرُ إنك على كلِّ شيءٍ قديرٌ، رحمنُ الدنيا والآخرةِ ورحيمُهما، تعطيهما من تشاءُ، وتمنعُ منهما من تشاءُ، ارحمْني رحمةً تُغنيني بها عن رحمةِ مَن سواك
Transliteration
Allaahumma Maalik al-mulk, tu’ti al-mulk man tasha’ wa tanzi’ al-mulk mimman tasha’, wa tu’izzu man tasha’ wa tudhilul man tasha’, bi yadika al-khayr, innaka ‘ala kulli shay’in qadeer, Rahmaan al-dunya wa’l-aakhirah wa raheemahuma, tu’teeyahuma man tasha’ wa tamna’ minhuma man tasha’, arhamni rahmatan taghnini biha ‘an rahmati man siwaaka.
Meaning in English
O Allah, Sovereign of all, You give dominion to whomsoever You will and You take dominion away from whomsoever You will, You exalt whomsoever You will and You bring low whomsoever You will. In Your hand is all goodness and You are able to do all things. Most Merciful and Most compassionate in this world and in the Hereafter, You give them to whomsoever You will and withhold them from whomsoever You will. Bestow mercy upon Me in such a manner that I have no need of the mercy of anyone but You.
7. Dua Debt
Al-Tabaraani narrated in al-Mu’jam al-Sagheer that Anas ibn Maalik (may Allaah be pleased with him) said: The Messenger of Allaah (peace and blessings of Allaah be upon him) said to Mu’aadh (may Allaah be pleased with him):
“Shall I not teach you a du’aa’ which you may say even if you have debt like Mount Uhud, so that Allaah might pay it off for you? Say this Dua. Classed as hasan by al-Albaani in Saheeh al-Targheeb wa’l-Tarheeb (1821).
اللَّهُمَّ رَبَّ السَّمَوَاتِ وَرَبَّ الأَرْضِ وَرَبَّ الْعَرْشِ الْعَظِيمِ رَبَّنَا وَرَبَّ كُلِّ شَىْءٍ فَالِقَ الْحَبِّ وَالنَّوَى وَمُنْزِلَ التَّوْرَاةِ وَالإِنْجِيلِ وَالْفُرْقَانِ أَعُوذُ بِكَ مِنْ شَرِّ كُلِّ شَىْءٍ أَنْتَ آخِذٌ بِنَاصِيَتِهِ اللَّهُمَّ أَنْتَ الأَوَّلُ فَلَيْسَ قَبْلَكَ شَىْءٌ وَأَنْتَ الآخِرُ فَلَيْسَ بَعْدَكَ شَىْءٌ وَأَنْتَ الظَّاهِرُ فَلَيْسَ فَوْقَكَ شَىْءٌ وَأَنْتَ الْبَاطِنُ فَلَيْسَ دُونَكَ شَىْءٌ اقْضِ عَنَّا الدَّيْنَ وَأَغْنِنَا مِنَ الْفَقْرِ
Transliteration
Allaahumma Rabb al-samawaati wa’l-ard wa Rabb al-‘arsh il-‘azeem, Rabbaanaa wa Rabba kulli shay’in, Faaliq al-habb wa’l-nawa wa munzil al-Tawraati wa’l-Injeeli wa’l-Furqaan, a’oodhu bika min sharri kulli shay’in anta aakhidhun bi naasiyatihi. Allaahumma anta al-awwal fa laysa qablaka shay’un, wa anta al-aakhir fa laysa ba’daka shay’un, wa anta al-zaahir fa laysa fawqaka shay’un wa anta al-baatin fa laysa doonaka shay’un. Iqdi ‘annaa al-dayna wa aghninaa min al-faqri.
Meaning
O Allah, Lord of the seven heavens and the exalted Throne, our Lord and Lord of all things, splitter of the seed and the date-stone, Revealer of the Tawraat and the Injeel and the Furqaan [Qur’aan], I seek refuge in You from the evil of all things You shall seize by the forelock [have total mastery over].
O Allah, You are the First so there is nothing before You, and You are the Last so there is nothing after You. You are al-Zaahir [the greatest and highest] so there is nothing above You, and You are al-Baatin [aware of the subtlest secrets] so there is nothing closer than You. Settle our debt for us and spare us from poverty.
This dua (supplication) begins with praising and acknowledging Allah’s attributes, emphasizing His sovereignty over everything.
The supplicant seeks refuge in Allah from the evil of all things that Allah has control over, recognizing Allah’s mastery over everything.
By mentioning the splitting of the seed and the date-stone, the dua refers to the smallest and seemingly insignificant matters, highlighting Allah’s control over even the minutest aspects of creation.
The request to settle debts and spare from poverty reflects a plea for financial relief and stability. This dua combines praise for Allah’s attributes with a specific request for relief from debt and poverty, acknowledging Allah’s ultimate authority and seeking His mercy and assistance.
note
Turn to Allaah in supplication (du’aa’), and be certain of receiving a response, for whoever persists in knocking at the door will soon have it opened for him.
Choose the times when du’aa’s are answered, such as the last third of the night, after ‘Asr on Friday, between the adhaan and iqaamah, when travelling, and when breaking one’s fast.
Set straight the relationship between you and Allaah, may He be exalted, and He will set straight the relationship between you and other people. Allaah has promised those who obey Him that He will give them more of His bounty.
If you took out these loans intending to pay them back, then you must think positively of Allaah and trust that He will enable you to pay them off.
Al-Bukhaari (2387) narrated that the Prophet (peace and blessings of Allaah be upon him) said: “Whoever takes people’s wealth intending to pay it back, Allaah will enable him to pay it back.”
Ibn Maajah (2409) narrated that the Prophet (peace and blessings of Allaah be upon him) said: “Allaah will be with the borrower until he pays off his debt, so long as it (the loan) is not for something that Allaah dislikes.” Classed as saheeh (authentic) by al-Albaani in Saheeh Ibn Maajah.
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