In the Name of Allah, The Most Gracious, Most Merciful
Since pilgrimage is a financial type of worship that requires the spending of money, it is necessary that the money that is to be spent in the performance of this duty be legally earned, the Messenger of Allah (PBUH) said,
"O, people, Allah is pure and will accept only that which is pure."It is also reported on the authority of Abi Hurairah (MABPWH) that the Messenger of Allah (PBUH) has said,
"If a pilgrim heads for Hajj with legally earned money and puts his foot in the stirrup of his mount and calls: 'Here have I come my Lord" he would be called from heaven saying, 'your call is heard and yours will be double happiness, and as your provisions are legally procured and so is your mount; hence, your pilgrimage is unconditionally accepted. But if his expenditure is foul and he puts his foot in the stirrup and calls: "Here have I come my Lord, he would be called from heaven saying, 'your call is not heard and yours will not be double happiness, as your provisions are illicit and your expenditure is illicit; hence your pilgrimage is blemished and unrewarded."
As pilgrimage is a duty ordained by Allah in respect of those who are able, the poor being incapable, therefore a poor person should not borrow in order to perform pilgrimage.
Abdullah bin Abi Awfa has said,
"I have asked the Messenger of Allah (PBUH) about the person who does not perform pilgrimage, whether he should borrow. He said, 'No'".The pilgrimage by an indebted person is accepted only with the approval of his creditor.