The escalating risks of drought and salinization due to climate change and anthropogenic activities are a major global concern. Rhizobium–legume (herb or tree) symbiosis is proposed as an ideal solution for improving soil fertility and rehabilitating arid lands, representing a crucial direction for future research. Consequently, several studies have focused on enhancing legume tolerance to drought and salinity stresses using various techniques, including molecular-based approaches. These methods, however, are costly, time-consuming, and cause some environmental issues. The multiplicity of beneficial effects of soil microorganisms, particularly plant growth-promoting bacteria (PGPB) or plant-associated microbiomes, can play a crucial role in enhancing legume performance and productivity under harsh environmental conditions in arid zones. PGPB can act directly or indirectly through advanced mechanisms to increase plant water uptake, reduce ion toxicity, and induce plant resilience to osmotic and oxidative stress. For example, rhizobia in symbiosis with legumes can enhance legume growth not only by fixing nitrogen but also by solubilizing phosphates and producing phytohormones, among other mechanisms. This underscores the need to further strengthen research and its application in modern agriculture. In this review, we provide a comprehensive description of the challenges faced by nitrogen-fixing leguminous plants in arid and semi-arid environments, particularly drought and salinity. We highlight the potential benefits of legume–rhizobium symbiosis combined with other PGPB to establish more sustainable agricultural practices in these regions using legume–rhizobium–PGPB partnerships.