Answered by SunniPath Answer Service Team
Wa Alaykum Assalam wa Rahmatullah wa Barakatuhu,
From a previous question answered by Mufti Muhammad ibn Adam al-Kawthari :
If you really want to go for Hajj at present, then you may take a loan from someone, perform Hajj with that money and then pay off the loan with Halal and lawful money.
As far as the second aspect is concerned, which is going for Hajj despite on debt, if it is an interest-based loan, then it would be wise to pay off the loan first and then go for Hajj. However, this will not have an effect on your Hajj as long as the money used for performing Hajj is Halal.
If the loan is not interest-based, then if you fulfil your monthly commitments and your creditors do not have any arrears claim against you, it is perfectly permissible to perform Hajj. However, if the creditors have arrears claims against you, then you will be infringing on their rights by performing Hajj. Hence, you should not perform Hajj without the consent of the creditors claiming arrears from you.
It should be also remembered that, if a person is heavily indebted and his liabilities exceed his assets, Hajj is not obligatory (fard) upon him/her. (See: Radd al-Muhtar)
SunniPath Fiqh Team
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