How can one get rid of usury (riba) and the unlawful (haram) in a remaining sum from the price of a car that was purchased with interest-based financing, knowing that the reason for the financing was an urgent need for the car and the unavailability of Islamic alternatives, and is it permissible to benefit from the remaining sum or from the car?

Borrowing from the bank with a condition for an increase upon delayed repayment is explicit usury (riba). It is a misconception that a loan is only considered usury if there is a condition for an increase immediately upon taking the loan. It is obligatory to return the borrowed money to the bank without any increase, if possible. However, if you are compelled to return the increase, then do so according to the agreement. There is no immediate urgency in this; rather, you can benefit from the car. Once the loan is received, it enters the borrower's possession and ownership and becomes a debt upon them, whether it is an interest-based loan or not. However, in the case of an interest-based loan, the borrower is sinful, and repentance is obligatory.