Praise be to Allaah.
There is nothing wrong with taking out a loan in order to get
married to keep oneself chaste, if he is able to pay it off. It is hoped
that if a person does that, Allaah will help him. Al-Tirmidhi (1655),
al-Nasaa’i (3120) and Ibn Maajah (2518) narrated that Abu Hurayrah (may
Allaah be pleased with him) said: The Messenger of Allaah (peace and
blessings of Allaah be upon him) said: “There are three who are all entitled
to Allaah’s help: the one who fights for the sake of Allaah; the mukaatab
who wants to pay (the price of his freedom); and the one who gets married
seeking chastity.” This hadeeth was classed as hasan by al-Albaani in
Saheeh Sunan al-Tirmidhi.
And he (peace and blessings of Allaah be upon him) said:
“Whoever takes people’s wealth intending to pay it back, Allaah will enable
him to pay it back, and whoever takes it intending to destroy it, Allaah
will destroy him.” Narrated by al-Bukhaari (2387).
But if he is not able to pay it back, then it is makrooh for
him to take a loan, whether that is for marriage or for anything else,
because the responsibility of debt is so great that the Prophet (peace
and blessings of Allaah be upon him) said that the martyr will be forgiven
for everything except debt. Narrated by Muslim (1886).
Allaah says (interpretation of the meaning):
“And let those who find not the financial means for
marriage keep themselves chaste, until Allaah enriches them of His Bounty”
The Prophet (peace and blessings of Allaah be upon him)
commanded those who could not afford to get married to fast, as was narrated
by al-Bukhaari (1905) and Muslim (1400). He did not tell them to take out
May Allaah help us and you to do that which He loves and
which pleases Him.
And Allaah knows best.