I'm just inferring, but it sounds like it's possible to get a car loan/lease through Uber. It might be more tax efficient to have Uber take repayments directly from your earnings? So if first $X earned on Uber that day go to your repayments, it's worth earning $X on Uber to pay off the car, and then drive on whatever app pays the most.

Some sort of lease arrangement stipulation on the vehicle with Uber for people who didn’t own / couldn’t afford a car?

most drivers in NY drive for multiple companies. Uber, Lyft, and Gett are the most common.