If a person is required to offer a sacrifice (qurbani) but does not have enough money, it is obligatory for them to take a loan. However, if offering a sacrifice is not obligatory for them and they are themselves in need, then it is not appropriate for them to take a loan just to perform the sacrifice [1].
This is because Allah does not burden a soul beyond its capacity. Regarding this, Allah says in the Qur'an:
لَا يُكَلِّفُ اللهُ نَفْسًا إِلَّا وُسْعَهَا
“Allah does not burden any soul beyond its capacity.” [2]
From the book “Fatwas on Sacrifice”
[1] “Hashiyat Ibn Abidin”, 9/452.
[2] Surah al-Baqarah, verse 286.
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