With two decades of halal finance experience, we deliver Sharia compliant paths to ownership — built on personal advice, scholarly review, and a co op of investors who buy property on your behalf, riba free.
Financing Options Built Around Your Goals
Six riba-free programs covering homes, business premises, land, conversions and investment property.
How ijaraCDC Does Halal Home Financing
Three steps to riba-free ownership with ijara CDC.
A trust is established and it owns the property, on your behalf.
You hold a lease to own agreement on the property the Trust owns.
Each month your rent payment moves a share across, until you own 100%.
Why Muslim families and businesses choose IjaraCDC
Six reasons families and businesses have financed riba-free with us since 2005.
Real families. Real businesses. Real ownership, zero riba.
A selection of the properties we have financed across the USA and Canada.
What our clients say
Owners describing the process in their own words.
Nine tools, one free app
Azan timings, the Quran, the Qibla direction and the Ijara and Zakat calculators, wherever you are.
Financing Insights & Resources
Plain explanations of how riba-free financing works, and what to expect when you apply.
Have more questions? Don't hesitate to reach us
Our team answers by phone or email during business hours, and a pre-qualification takes about ten minutes.
How is this different from a mortgage?
ijara CDC co-owns the property with you and sells you its share over time. There is no riba, because there is no debt instrument — the agreement transfers ownership, not money at a rate.
What does a monthly payment cover?
Two parts: your use of the share ijara CDC still owns, and the purchase of an additional slice of that share. The second part grows as your ownership grows.
How long does pre-qualification take?
About ten minutes, and it does not affect your credit.
Can I pay off my share early?
Yes. Additional payments buy more of the co-owned share and carry no penalty.
Which states does ijara CDC serve?
More than 20 states across the USA, alongside Canada. Contact us for the current list and the requirements where you live.
Who reviews the contracts?
The Sharia Advisory Board and real estate counsel review the structure and the documents before signing.
What can I finance?
Residential and commercial property, residential and auto conversions, investment opportunities, and the ijaraCDC partner broker program.





