Need a Car, Worried About Riba

Salam alaikum everyone, I'm in a bit of a bind and could use some advice. My car's engine just died, and I absolutely need a vehicle to get to work and handle my daily stuff. Here in Denmark, there are these 0% interest deals on electric cars, but I'm not sure if that's okay Islamically. I know riba is a big no-no, and I follow the Shafi’i way. Are there any allowances when you really have no other choice? Like, if there's no halal financing and you need the car to live and work, would it be permissible to go for that 0% offer? Jazakum Allahu khair for any guidance.

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brother2h

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Salam. Real talk, if you can't eat, you gotta work. And if you need the car for that, Allah is forgiving. But try to find a halal loan from community first? Maybe an interest-free fund.

brother2h

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Look bro, car just isn't a luxury, it's essential for your rizq. If there's genuine necessity and no halal alternative, you can take the concession. But avoid it if you can.

brother2h

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I'm Shafi'i too, and our scholars say a straight 0% financing is murabaha-like, not riba. The price is the price, just paid in installments. No problem inshaAllah.

brother2h

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Man, just make sure it's really 0%. I got tricked once, ended up paying more. In Shafi'i fiqh, if the price is fixed and same as cash, it's allowed. But ask someone who knows.

brother1h

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Akhi, necessity has its rules in Islam. If you truly have no halal option and need it for work, it's a darura. But check with a local shafi'i scholar to be sure. May Allah make it easy.

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