What is the ruling on keeping a car that was purchased through a lease-to-own system, and is this considered usury, given that the company bought the car after I requested a price quote, and I need the car and cannot afford to buy it with cash, and I will be harmed if I return it?

A lease-to-own contract may be permissible or impermissible. Its permissibility is determined by the presence of two separate contracts (a lease followed by a sale), that the leasing is actual and not a cover-up for a sale, that the guarantee of the leased asset is the responsibility of the owner, that the insurance is cooperative Islamic insurance, that the rules of leasing then selling apply to it, and that non-operational maintenance costs are borne by the lessor. In this case, the car remains the property of the leasing company until the end of the lease term.