The Ruling on Loans from Offices with an Increase
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Question:
The third and final question. In offices, Shaykh, I speak to them, and they give loans. They give, for example, twenty thousand or thirty thousand; that is, they give you twenty thousand and take ten percent more from you. I mean, I spoke to one, and he said, “I will give you thirty thousand, and I will take forty-five or fifty from you.” Is this permissible for me, or is it not permissible?
Answer:
This is clear riba (usury or interest), my brother. It is forbidden. Allah has cursed the one who eats riba, the one who gives it, the one who writes it, and its two witnesses. This loan is not permissible. Every loan that brings a benefit is riba, by the consensus of the scholars. So you must fear Allah and advise this person who said this false thing to you. Yes.
The third and final question. In offices, Shaykh, I speak to them, and they give loans. They give, for example, twenty thousand or thirty thousand; that is, they give you twenty thousand and take ten percent more from you. I mean, I spoke to one, and he said, “I will give you thirty thousand, and I will take forty-five or fifty from you.” Is this permissible for me, or is it not permissible?
Answer:
This is clear riba (usury or interest), my brother. It is forbidden. Allah has cursed the one who eats riba, the one who gives it, the one who writes it, and its two witnesses. This loan is not permissible. Every loan that brings a benefit is riba, by the consensus of the scholars. So you must fear Allah and advise this person who said this false thing to you. Yes.
Source
قناة «العلامة الدكتور صالح الفوزان»، برنامج (فتاوى) (076) لمعالي الشيخ صالح الفوزان بتاريخ [1436-01-19] - كبار العلماء — youtube.com (23:32)
The Arabic text is a machine transcription of the audio recording.