The Secret to Paying Off Debt Fast, With Blessings & Rewards
“The weight of debt can actually turn into a blessing if we know how. Here’s the hidden good behind it.”
A lot of people think, “Ah, debt is fine as long as I can still pay it back.” But honestly, it’s not that simple. Debt can mess with your peace of mind, make you overthink day and night, and if ignored, it even follows us into the afterlife. Sometimes it feels hard to sleep, even praying feels heavy just because of promises we haven’t fulfilled.
The good news is, Allah, the Most Merciful, never leaves us stuck. If we really intend to pay off our debts the halal way, insyaAllah, a way out will always open. And the best part? Walking this path sincerely doesn’t just free us from debt it brings blessings and rewards along the way.
Let’s differentiate first: Is there still usury or is it already clean?
Before talking about any strategy, let’s be real with ourselves. Is the debt we’re carrying still tied up with interest, or is it already clean? If it’s still got interest in it, then the problem isn’t just financial it’s also a major sin.
Allah ﷻ clearly warns us:
يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِنْ كُنْتُمْ مُؤْمِنِينَ
“O you who believe! Fear Allah and leave behind the remains of usury if you truly believe.” ( Quran Surah Al-Baqarah verse 278)
This verse couldn’t be more direct. If we stay stuck in interest, it’s like walking through mud the more you move forward, the deeper you sink. That’s exactly what’s called bad debt: it doesn’t just drain your wallet, it also kills the blessings in your life. So the very first step is clear make sure your debt is clean from usury.
Also read: Hoarding: The Real Economic Problem
If You’re Still Using Usury, Stop It Now
Allah ﷻ gives a really strong warning about usury and bad debt. He says:
فَإِنْ لَمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِنَ اللَّهِ وَرَسُولِهِ
“If you do not abandon (the remaining usury), then declare war with Allah and His Messenger.” ( Quran Surah Al-Baqarah verse 279)
Just think about it—who could ever stand against Allah ﷻ and His Messenger ﷺ in a war? No one. That’s why the smartest move is to stop right away. Don’t pile on more bad debt with interest. If you can, try negotiating with the lender to drop the interest, or switch over to a sharia-based system. Sure, it’s tough. But once you’re free, you’ll feel so much lighter and at peace.
Also read: Uncovering Hidden Sins in the World of Product Marketing
Straighten your intentions, Allah promises a way out
If the debt is down to just the principal, thank God that’s a big step. Now all that remains is to straighten out your intentions. Rasulullah ﷺ said:
مَنْ أَخَذَ أَمْوَالَ النَّاسِ يُرِيدُ أَدَاءَهَا أَدَّى اللَّهُ عَنْهُ، وَمَنْ أَخَذَهَا يُرِيدُ إِتْلَافَهَا أَتْلَفَهُ اللَّهُ
“Whoever takes people’s property with the intention of paying it back, Allah will pay it back for him. And whoever takes it with the intention of destroying it, Allah will destroy him.” ( Hadith narrated by Bukhari )
The message is clear. If we are serious about paying, Allah ﷻ Himself will make a way. But if our intentions are vague, pretending we can’t do it when we actually can, our lives will be made more difficult.
Also read: Business Partners Split? A Test of Syirkah Trust
Good deeds that make your fortune smooth
Many people think that paying off debt is simply a matter of hard work. In fact, good deeds play a significant role in opening the door to prosperity. For example, giving alms. The Prophet Muhammad (peace be upon him) said:
مَا نَقَصَتْ صَدَقَةٌ مِنْ مَالٍ
“Almsgiving will not decrease wealth.” ( Hadith narrated by Muslim )
Logically, giving alms reduces your money. But in reality, it actually comes back in unexpected ways.
There is also forgiveness. Prophet Nuh ‘alaihissalam said:
فَقُلْتُ اسْتَغْفِرُوا رَبَّكُمْ إِنَّهُ كَانَ غَفَّارًا يُرْسِلِ السَّمَاءَ عَلَيْكُمْ مِدْرَارًا وَيُمْدِدْكُمْ بِأَمْوَالٍ وَبَنِينَ وَيَجْعَلْ لَكُمْ جَنَّاتٍ وَيَجْعَلْ لَكُمْ أَنْهَارًا
“So I said to them: Ask your Lord for forgiveness, indeed He is Forgiving. Surely He will send down heavy rain on you, increase your wealth and children, and make gardens and rivers for you.” ( Quran Surah Nuh verses 10–12)
Istighfar not only erases sins, but is also a way to expand one’s fortune.
And don’t forget the special prayer from the Prophet ﷺ for those who are trapped in debt:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
“O Allah, I seek refuge in You from anxiety and sadness, from weakness and laziness, from cowardice and stinginess, and from debt bondage and human oppression.” ( Hadith narrated by Abu Dawud )
This prayer makes the heart calm and at the same time becomes a form for us to ask Allah ﷻ for help directly .
Also read: Islamic Relief Through Extension of Debt Repayment Period
Conclusion: There is a way, it’s up to us whether we want to follow it or not.
Debt can feel super heavy, but that doesn’t mean there’s no way out. Allah ﷻ has promised His help for anyone who’s really serious about getting free from it. The secret is pretty simple: stay away from riba, keep a clear and honest intention to pay back, and do more good deeds that bring extra blessings.
If we stick to this, insyaAllah not only will our debts get paid off, but our hearts will feel lighter, life will be more blessed, and the rewards will keep flowing. So, don’t wait around start now. Leave riba behind and take your debts seriously in a way that pleases Allah ﷻ.
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Reference
Al-Qur’an al-Karim.
Al-Bukhari, Muhammad bin Isma’il. Sahih al-Bukhari. Beirut: Dar Ibn Kathir. Accessed from: https://sunnah.com/bukhari
Muslim ibn al-Hajjaj. Sahih Muslim. Beirut: Dar Ihya’ at-Turats al-‘Arabi.
Accessed from: https://sunnah.com/muslim
Abu Dawud, Sulaiman bin al-Ash’ath. Sunan Abi Dawud. Beirut: Dar al-Kutub al-‘Ilmiyyah. Accessed from: https://sunnah.com/abudawud
