A Toyota dealership arranges a loan for you. Through a bank for a used vehicle, sometimes through Toyota itself for new cars.

A house builder will routinely take on part of the loan providing burden to get some of the interest.

Even someone selling you their thirty year old house will often provide seller financing.

You may have ideological opinions against this, which is fine. There are billions of people, for example that are fundamentally opposed to the idea of interest. But like it or not, this is how it has worked for the last ~500ish years.