2 weeks ago, you posted about buying a house.

Yes, it’s too much, especially for 5 years at 13% interest. You’re 20? Have you priced full coverage insurance?

Do you own a car now? What’s your total budget for car, insurance, maintenance? Likely, you should be budgeting $200-250/month for the latter 2 items given your age.

Save your surplus for 6-8 months, find a used car you can pay cash for.