A Collection of Duas from the Sunnah of Prophet Muhammad ﷺ for Paying Off Debt

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْمَأْثَمِ وَالْمَغْرَمِ

O Allah, I seek refuge in You from sin and debt.

Narrated by Bukhari no. 832 and Muslim no. 589.

اللَّهُمَّ رَبَّ السَّمَاوَاتِ وَرَبَّ الْأَرْضِ، وَرَبَّ الْعَرْشِ الْعَظِيمِ، رَبَّنَا وَرَبَّ كُلِّ شَيْءٍ، فَالِقَ الْحَبِّ وَالنَّوَى، وَمُنْزِلَ التَّوْرَاةِ وَالْإِنْجِيلِ وَالْفُرْقَانِ، أَعُوذُ بِكَ مِنْ شَرِّ كُلِّ شَيْءٍ أَنْتَ آخِذٌ بِنَاصِيَتِهِ، اللَّهُمَّ أَنْتَ الْأَوَّلُ فَلَيْسَ قَبْلَكَ شَيْءٌ، وَأَنْتَ الْآخِرُ فَلَيْسَ بَعْدَكَ شَيْءٌ، وَأَنْتَ الظَّاهِرُ فَلَيْسَ فَوْقَكَ شَيْءٌ، وَأَنْتَ الْبَاطِنُ فَلَيْسَ دُونَكَ شَيْءٌ، اقْضِ عَنَّا الدَّيْنَ وَأَغْنِنَا مِنَ الْفَقْرِ

O Allah, Lord of the heavens and Lord of the earth, Lord of the Mighty Throne, our Lord and the Lord of all things, Splitter of the grain and the date seed, Revealer of the Torah, the Gospel, and Al-Furqan. I seek refuge in You from the evil of everything whose forelock You hold. O Allah, You are the First and there is nothing before You; You are the Last and there is nothing after You; You are the Manifest and there is nothing above You; You are the Hidden and there is nothing beyond You. Settle our debt for us and enrich us from poverty.

Narrated by Muslim no. 2713.

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ، وَقَهْرِ الرِّجَالِ

O Allah, I seek refuge in You from worry and grief. I seek refuge in You from weakness and laziness. I seek refuge in You from cowardice and miserliness. And I seek refuge in You from being overcome by debt and overpowered by people.

Narrated by Abu Dawud no. 1555. Authenticated by Al-Albani.

اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ

O Allah, suffice me with what You have made lawful against what You have made unlawful, and make me independent by Your bounty from needing anyone besides You.

Narrated by Tirmidhi no. 3563 and Ahmad no. 1319. Graded hasan by Al-Albani.

اللَّهُمَّ مَالِكَ الْمُلْكِ، تُؤْتِي الْمُلْكَ مَنْ تَشَاءُ، وَتَنْزِعُ الْمُلْكَ مِمَّنْ تَشَاءُ، وَتُعِزُّ مَنْ تَشَاءُ، وَتُذِلُّ مَنْ تَشَاءُ، بِيَدِكَ الْخَيْرُ، إِنَّكَ عَلَى كُلِّ شَيْءٍ قَدِيرٌ، رَحْمَانَ الدُّنْيَا وَالْآخِرَةِ وَرَحِيمَهُمَا، تُعْطِيهِمَا مَنْ تَشَاءُ، وَتَمْنَعُ مِنْهُمَا مَنْ تَشَاءُ، ارْحَمْنِي رَحْمَةً تُغْنِينِي بِهَا عَنْ رَحْمَةِ مَنْ سِوَاكَ

O Allah, Owner of all dominion. You give dominion to whom You will and take dominion away from whom You will. You honor whom You will and humble whom You will. In Your Hand is all good, and You are Able to do all things. Most Merciful of this world and the Hereafter, and Most Compassionate in both; You give them to whom You will and withhold them from whom You will. Have mercy on me with a mercy that makes me in no need of mercy from anyone besides You.

Narrated by At-Tabarani in Al-Mu'jam Ash-Shaghir no. 558. Graded hasan by Al-Albani in Sahih At-Targhib wa At-Tarhib no. 1821.