Earning a commission from transactions involving interest-based loans is not considered permissible. Facilitating or mediating a loan agreement that involves interest, and deriving financial benefit from it, falls under the principle stated in the Qur’an: “Cooperate in righteousness and piety, but do not cooperate in sin and aggression.” Therefore, such commissions are not deemed acceptable.
However, if the price of the product is clearly determined and the profit is solely derived from the sale of the product itself, there is no issue in this regard. The seller must not add any additional fees or commissions related to the loan process.
In conclusion, the fact that the payment is made via a loan does not render the seller’s profit unlawful, as the credit agreement is strictly between the customer and the financial institution. Nevertheless, earning additional income by facilitating loan transactions is not appropriate. It is preferable that the customer handles the loan application process independently.