That's not how car finance here in Thailand works. Car finance here in Thailand is "hire purchase", the bank/finance company is the owner of the vehicle, and you rent it from them. After a few years of paying rent they transfer the ownership to you.
"That's not how car finance here in Thailand works."
Yes, it is.
...the bank/finance company is the owner of the vehicle..."
I know, that's why I deliberately put "owner" in quotes.
"...and you rent it from them".
The financed car buyer does not rent the car from the finance company, he pays the finance installments.
"After a few years of paying rent they transfer the ownership to you".
After all the finance is paid off, ownership is transferred, there's no "renting"!