What is the ruling on one who borrows a sum of money and then repays it with an addition from his own funds?
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Question:
I lent a person a sum of money. When I needed it, I asked him for it, and he said, "Later." Then I asked him again a month later. When I asked him for it, he gave it to me and added to it. I told him, "This is not permissible." He said, "This is from my own funds." What is the ruling on that? There is nothing wrong with that.
Answer:
If the addition was not stipulated—you did not stipulate the addition for him, and he gave it to you as a kindness in repaying the debt—then the Prophet (peace and blessings be upon him) did that. The Prophet (peace and blessings be upon him) did that; he repaid the debt and added to it, and he said, "The best of you are those who are best in repaying their debts." So there is nothing wrong with that. Yes.
I lent a person a sum of money. When I needed it, I asked him for it, and he said, "Later." Then I asked him again a month later. When I asked him for it, he gave it to me and added to it. I told him, "This is not permissible." He said, "This is from my own funds." What is the ruling on that? There is nothing wrong with that.
Answer:
If the addition was not stipulated—you did not stipulate the addition for him, and he gave it to you as a kindness in repaying the debt—then the Prophet (peace and blessings be upon him) did that. The Prophet (peace and blessings be upon him) did that; he repaid the debt and added to it, and he said, "The best of you are those who are best in repaying their debts." So there is nothing wrong with that. Yes.
Source
قناة «العلامة الدكتور صالح الفوزان»، ما حكم مَنْ اقترض مبلغا ثم ردّه بزيادة من عنده؟ للشيخ صالح الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.