Is it permissible to purchase a car through a financing company affiliated with the dealership, where the buyer pays two-thirds of the amount in cash and the remaining one-third in installments with an annual increase of approximately 9.5%, in addition to paying administrative fees?

If the Darev company pays the price of the car for you and collects it from you with interest, then this is forbidden usury (riba). However, if the Darev company buys the car from the Gabor company and it enters into its possession, and then sells it to you, this is permissible. The condition of paying a portion of the price in advance or administrative fees does not affect its permissibility, for profit in selling is lawful, and time has a share in the price. The difference between the two cases lies in the existence of a real buying and selling transaction between the client and the financier in the permissible scenario.