What is the ruling of Sharia on buying a car in installments from an authorized dealer, where the customer pays a down payment and the remainder is paid in installments over 5 years at a price higher than the cash sale price with an interest rate of 9.4%, knowing that the installments are paid directly to the dealer and there is no direct dealing between the customer and the dealer's financing bank?

It is permissible to sell by installment at a higher price than selling for cash, provided that a penalty for late payment is not stipulated, as that is forbidden usury (riba). The seller may request a guarantor or collateral to secure his right. If the transaction is directly with the authorized agent by paying an advance and installments for the remainder, it is permissible. However, if the agent engages in usury with the bank by selling post-dated checks for less than their value, then this is a usurious transaction between him and the bank, and it is better not to deal with this agent.