Is buying a car in America in installments forbidden, even if the buyer is unaware of the existence of usury in the contract?

Purchasing a car in installments is permissible in two scenarios: First, that you buy it from someone who owns it, even if its installment price is higher than its cash price. Second, that the bank genuinely buys the car and takes possession of it, then sells it to you in installments at a higher price. However, if an entity or person who does not own the car buys it and pays its price on your behalf, on condition that you repay the amount with an increase, then this is forbidden because it is a usurious loan with interest.