Is buying an item in installments at a price higher than its original cash price permissible in Islam?

If the price of the car is fixed and does not change whether paid in installments or not, and there is no deception concerning usury (such as the bank paying the company an amount less than the customer's installments), then there is no harm in paying a down payment and settling the remaining amount with the bank in interest-free installments. This is considered a qard hasan (a benevolent loan) because it does not stipulate any increase or benefit, nor does it aid in usury.