the Messenger of Allah (ﷺ) said: “Whoever would like Allah to shade him with His shade, let him give respite to one in difficulty, or waive repayment of the loan.”

“A man died and it was said to him: 'What did you do?' Either he remembered or was reminded and said: 'I used to be easy going in coins and cash collecting debts due, and I used to give respite to (the debtor) who was in difficulty. So, Allah (SWT) forgave him.' ” Abu Masud said: “I heard that from the Messenger of Allah (ﷺ).”

the Prophet (ﷺ) borrowed thirty or forty thousand from him, when he fought at Hunain. When he came back he paid the loan, then the Prophet (ﷺ) said to him: 'May Allah (SWT) bless your family and your wealth for you. The reward for lending is repayment and words of paradise.”

“A man came to ask the Prophet of Allah (ﷺ) for some debt or some right, and he spoke harshly to him, and the Companions of the Messenger of Allah (ﷺ) wanted to rebuke him. But the Messenger of Allah (ﷺ) said: 'Let him be, for the one who is owed something has authority over the debtor, until it is paid off.' ”

“If one who can afford it delays repayment, his honor and punishment become permissible.”

“Sulaiman bin Udhunan lent 'Alqamah one thousand Dirham until he got his salary, When he got his salary, he demanded that he pay him back and treated him harshly. He paid him back, and it was as if 'Alqamah was angry. Several months passed then he came to him and said: 'Lend me one thousand Dirham until my salary comes.' He said 'Yes, it would be an honor. O Umm 'Utbah! Bring me that sealed leather bag that you have.' He said: 'By Allah(SWT), these are your Dirham that you paid back to me; I did not touch a single Dirham., ' What made you do what you did to me (i.e., treat me so harshly)?' He said: 'What I heard from you.' He said: 'What did you hear from me?' He said: 'I heard you narrated from Ibn Mas'ud that the Prophet (ﷺ) said: “There is no Muslim who lends something to another Muslim twice, but it will be like giving charity once.”He said: 'That is what Ibn Mas'ud told me.' ”

“On the night on which I was taken on the Night Journey (Isra), I saw written at the gate of Paradise: 'Charity brings a tenfold reward and a loan brings an eighteen fold reward.' I said: 'O Jibril! Why is a loan better than charity?' He said: 'Because the beggar asks when he has something, but the one who asks for loan does so only because he is in need.' ”