Is the parents' purchase of a car in installments from a usurious bank, and placing the equivalent of 100% of the remaining car price in investment certificates as collateral in this bank, which yields them annual interest, with a late payment penalty, considered usury (riba), and is it permissible for the son to ride or drive this car?

The bank's payment of a portion of the car's price on behalf of the parents, in exchange for participation in an investment certificate, is considered a usurious loan. This is because the bank lent a portion of the price in exchange for benefiting from the investment certificate, and the investment certificate itself is a usurious loan to the bank. Using the car is permissible, but the parents should be advised to repent from usurious transactions.