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﴿ فَاسْأَلُوا أَهْلَ الذِّكْرِ إِن كُنتُمْ لَا تَعْلَمُونَ ﴾

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What is the obligation of one who took a riba (usury or interest) loan and then repented?

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Question:
The questioner says: What should I do? I took out a riba loan, and I am now regretting it. What should I do?

Answer:
Repent to Allah and do not return to such a thing. If you are able to reach an agreement with the lender so that he takes only his principal, then that is obligatory. As for if you are not able to do so, you repent to Allah and in the future you do not engage in this act. Yes.
Source قناة «العلامة الدكتور صالح الفوزان»، ما الواجب على مَن أخذ قرضًا ربويًّا ثم تاب؟ #فتاوى الفوزان — youtube.com

The Arabic text is a machine transcription of the audio recording.

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