OP, a relevant data point that is missing is if you have reliable transportation right now? If you do not have reliable transportation, you need that and cannot wait on a car.

Again, at your age and assuming you’re not tied down by a wife and kids, I’m going to say you need to get a side job to pay this car off as fast as you possibly can. Reliable transportation is critical to getting promoted, anxiety, etc.

If you’re going to commit to this car deal, at this interest rate, you need to dedicate all your free resources to paying it off. The reason is you’re basically putting the car on a credit card. (My credit cards have been under 13% all of my adult life (excluding rewards cards)). Paying it off aggressively as possible will help counteract that ridiculous interest rate, making it irrelevant.