Can I perform Hajj if I have outstanding debts?

The question of Hajj with debts requires careful consideration of the Islamic principle of istita'ah (ability), which is a condition for Hajj to become obligatory. The majority of scholars across all four madhahib agree that if a person has debts that prevent them from meeting their financial obligations, Hajj is not yet obligatory for them — they should prioritize debt repayment. The rights of creditors are a serious matter in Islam.

However, the situation is more nuanced for people with long-term structured debts (mortgages, student loans, installment plans). If you can afford the Hajj expenses while maintaining your regular payment schedule without defaulting, many contemporary scholars permit performing Hajj. The Hanafi position tends to be more flexible on this, while the Hanbali position is stricter about clearing debts first. It is strongly recommended to seek written permission from creditors and to make a written will before traveling in case anything happens. For voluntary (nafl) Hajj — meaning you have already performed your obligatory Hajj — scholars unanimously advise paying off debts first.