What do you think of this loan?

Even with bad credit loans specifically for automobiles typically have way lower interest rates than this! Since an auto loan is secured by the bank controlling the title of your car until you pay off the loan they can give you a much lower interest rate. This also means that your car is owned by the bank until you pay the loan off and they will repossess it if you skip on payments. Check local banks and especially credit unions in your area to see what kind of rate they might be able to give you for a loan specifically for an automobile.