Is increasing the amount paid through installments to a car dealership via the bank - which deducts the installments and takes an additional dinar for itself - considered usury (riba)?

The reality of the transaction is that the bank pays the installments for the car to the company, and then reclaims them from you with an increase of one dinar on each installment. This increase is usury (riba). Scholars have unanimously agreed that for a lender to stipulate an increase from the borrower is usury.