Is it permissible for me to say to a merchant: Buy this car for me, and then I will buy it from you on an installment basis?
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Question:
Honorable Shaykh, may Allah grant you success. The questioner says: Is it permissible for me to go to a merchant and say to him, "Buy this house or this car for me, and then I will buy it from you on an installment basis"?
Answer:
No. This means he bought it for you, but it is not actually so, and he paid the price on your behalf. This is a loan with an increase, and this is not permissible. However, if he buys it for himself and takes ownership of it, then if he wishes, he sells it to you, and if he wishes, he sells it to someone else, there is no harm in that. But if he buys it for you and pays the price, this means he has lent you the price with an increase, and this is forbidden. Yes.
Honorable Shaykh, may Allah grant you success. The questioner says: Is it permissible for me to go to a merchant and say to him, "Buy this house or this car for me, and then I will buy it from you on an installment basis"?
Answer:
No. This means he bought it for you, but it is not actually so, and he paid the price on your behalf. This is a loan with an increase, and this is not permissible. However, if he buys it for himself and takes ownership of it, then if he wishes, he sells it to you, and if he wishes, he sells it to someone else, there is no harm in that. But if he buys it for you and pays the price, this means he has lent you the price with an increase, and this is forbidden. Yes.
Source
قناة «العلامة الدكتور صالح الفوزان»، [1548 -3022] هل يجوز لي أن أقول للتاجر: اشتر لي هذه السيارة ثم اشتريها منك على طريقة الأقساط؟ — youtube.com
The Arabic text is a machine transcription of the audio recording.