A bank loan means a debt with interest. Interest is one of the biggest sins. It is not a right thing to borrow an interest-based loan immediately when a financial trouble is faced. The expression “Necessity legitimates the illicit” is not a flexible notion that could be interpreted at will.
“But I am in a difficult situation, cannot I take a loan?” is the most asked question. It should be noted that those who already are financially comfortable, do not put themselves into trouble by taking a loan! We have to avoid interest in these difficult situations, because the real test is in these times. The Glorified Allah commands:
“We will surely put you to trial by involving you in fear and hunger and by causing loss from property, life and earnings. Give good tidings to those who show fortitude. When a misfortune comes to them, they say: We belong to Allah and we shall certainly return to Him. Their Lord will support them and have mercy upon them, such are the ones who are rightly guided.“ (Al-Baqarah/ The Cow 2:155-157)
The Glorified Allah also commands in another verse:
“Believers! Seek help with fortitude and prayers, for Allah is with those who show fortitude.” (Al-Baqarah/ The Cow 2:153)
So, despite all kinds of adversity, Muslims have to be patient, work hard and never resort to unlawful means.