Riba-free since 2005

20 years of riba free financing

A Sharia compliant, riba-free path to ownership for families across the USA and Canada.

Ijara calculator
Finance amount
Term
Your monthly payment $377.54 / month Get started

Check what you can afford or print a schedule.

About us

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.

Riba-free co-ownership
Sharia-reviewed contracts
USA & Canada
20+ yrs
Of riba free service to Muslim communities
4,000+
Families & businesses helped
2.5%
Down payment grant available
100%
Halal — every contract, every payment
Our programs

Financing Options Built Around Your Goals

Six riba-free programs covering homes, business premises, land, conversions and investment property.

How it works

How ijaraCDC Does Halal Home Financing

Three steps to riba-free ownership with ijara CDC.

Step 1
We create a Trust

A trust is established and it owns the property, on your behalf.

Step 2
Lease to own

You hold a lease to own agreement on the property the Trust owns.

Step 3
Own it outright

Each month your rent payment moves a share across, until you own 100%.

No riba
Why ijara CDC

Why Muslim families and businesses choose IjaraCDC

Six reasons families and businesses have financed riba-free with us since 2005.

Twenty years of riba-free home and business ownership
Families, business owners and investors across the USA and Canada
Nonprofit structure — a 501(c)(3), not a bank and not a lender
Lease-to-own agreements reviewed by a Sharia advisory board
300+ residential and commercial funding partners across the US and Canada
Licensed to operate in all 50 US states and Canada
No prepayment penalty on any IjaraCDC program
A transparent profit rate agreed at signing, fixed for the life of the lease
Portfolio

Real families. Real businesses. Real ownership, zero riba.

A selection of the properties we have financed across the USA and Canada.

Residential home
Commercial property
Mosque financing
Mortgage conversion
In the app

Nine tools, one free app

Azan timings, the Quran, the Qibla direction and the Ijara and Zakat calculators, wherever you are.

The IjaraCDC app home screen on a phone: Azan timing, Al Quran, Qibla direction, 99 Names of Allah, Ijara and Zakat calculators, About us, Contact us and DAO wallet.
Blog

Financing Insights & Resources

Plain explanations of how riba-free financing works, and what to expect when you apply.

Frequently asked questions

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.

Since 2005
Twenty years of halal home and business financing.
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