Answer:
(Fatwa: 1984/452/D=1432)
Perform two rak’ah of Salah al-Taubah and beseech Allah for forgiveness earnestly. Allah will forgive you in-shaAllah. Keep on reciting istighfar and this dua:
یا حی یا قیوم برحمتک نستغیث
Also, recite this dua for payment of loan:
اللھم اکفنی بحلالک عن حرامک واغننی بفضلک عمن سواک
Allah (Subhana Wa Ta’ala) knows Best
Darul Ifta,
Darul Uloom Deoband
