7 Powerful Dua For Debt In Meaning and Arabic

Islam considers debt a serious issue and advises Muslims to avoid it whenever possible. The Prophet Muhammad (peace be upon him) 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.”

To help Muslims deal with debt, there are special prayers (dua) in the Sunnah that ask Allah for assistance in paying off debts. Here are some of these prayers 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 asks Allah to give you enough money to meet your needs and to be independent. You’re asking Allah to provide for you in a way that’s allowed and to keep you away from things that are not allowed.

You’re also asking to be self-sufficient, so you don’t need to ask anyone else for help, and to rely only on Allah’s blessings.

This prayer shows that you want to be financially stable while following Islamic principles and trusting in Allah’s generosity.

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.

READ ALSO: 3 Beautiful Dua For Happiness in English and Arabic

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 heartfelt request to Allah for help and protection in all areas of life. You’re asking Allah to:

• Keep you safe from worry and sadness
• Give you strength and motivation to overcome challenges
• Protect you from negative traits like fear and stinginess, and instead fill you with courage and generosity
• Help you manage debt and financial struggles
• Keep you safe from being controlled or dominated by others

This dua shows that you’re seeking Allah’s guidance and support to live a balanced and fulfilling life, free from emotional and financial burdens.

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).

4. 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.

Ask Allah for help and be confident that He will answer your prayers. Keep asking, and eventually, your prayers will be answered. Choose special times to pray, like:

• The last third of the night
• Friday afternoons
• Between the call to prayer and the start of prayer
• When traveling
• When breaking your fast

Make your relationship with Allah strong, and He will help you with your relationships with others. Allah promises to give more blessings to those who obey Him.

If you borrowed money intending to pay it back, trust Allah to help you pay your debts. The Prophet Muhammad (peace be upon him) said:

• “Allah will help you pay back your debts if you intend to pay them back.” (Al-Bukhari)
• “Allah will be with you until you pay off your debt, as long as it’s not for something He dislikes.” (Ibn Maajah)