What is the ruling on purchasing a car in installments through a bank, by paying a down payment to the bank, which then gives a check to the dealership, and subsequently paying the remainder to the bank in installments, with the guarantee of an association that covers a percentage of the car's value?

Murabaha contracts for the one who commands the purchase, which are conducted by Islamic banks, are valid if the bank first acquires ownership of the commodity, and then sells it to the client at the agreed-upon price. There is no objection to the bank appointing the buyer as an agent to purchase the commodity. There is no harm in the buyer being guaranteed by an association or otherwise, or in there being no guarantee. If these are the steps followed between you and the bank, then there is no objection to purchasing the car. However, if the bank gives you a check or an amount to buy the car and then increases the price with interest, this is usury (riba).