The World Federation One Stop Fiqh
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Ruling 829

If a person does not have anything with which he can cover his private parts in prayers, it is obligatory on him to procure such a thing even if he has to hire or purchase it. However, if procuring it requires an amount of money that is a lot in relation to what he can afford, or, if spending money on it would cause him some harm, he can perform prayers in accordance with the instructions that were mentioned regarding someone who is naked.