You can sometimes borrow money from a car company. With that money you buy a car. You can already drive the car, but the car is not yours yet.
You repay the money in installments. You often pay a fixed amount every month. The car is only really yours when you have repaid the amount in full. We call this method of borrowing hire purchase.
Are you at high risk?
Buying a car with a loan is a risk. If you can no longer pay the installments, the car company may sell the car. And if the car yields less money than the amount you still have to pay, then you have a debt. And no car. The car company may only sell the car if you still had to pay off more than 25% of the total amount.