Is Minsheng Financial Leasing Car Loan Reliable?

Minsheng Financial Leasing is a legally registered fraud company, but it is cheating people to do business. It is prudent to buy a used car. Finally, the lease financing contract, not the loan contract, pays the liquidated damages in advance. The interest is actually much higher than when the salesman does it! ! This is an out-and-out routine loan company, and the vehicles are still mortgaged to them. Do you think there will be a reliable bank? I ran away and couldn't find the formalities.