Late payment fee rulling


i am looking to use pay pal credit to finance a ohone purchase, i will need to pay £20 every month for 18 months.

however if i defer in a payment, i.e. i pay an instalment late, i will need to pay a £12 fee.

is this transaction permissable, and would i be able to take it.

i am 100% sure that i would not defualt in any of the payments, as i will probably pay the loan early in the first place!


Wa alaykum salaam,

According to my teachers and the view of several other Muftis, if you are very confident that you will not default and trigger the clause, you can use this facility.

Allah knows best

Assalaamu alaykum Mufti sb,

Can you kindly advise the names of the scholars and their reasoning for allowing this? As there is a big difference of opinion on this and it does seem like the majority see this as haraam

JazakAllah khayr