The only time a payment that high is okayish is when you're getting a bigger car like a truck or SUV that doesn't depreciate so quickly. That's mainly because these cars are worth $40k+.

To have that payment on a $20k car @ 13%? Nope. Not worth it.

Good interest rates for cars are usually under 5%. Seems like you need to improve your credit score more before you can look at cars like that.

I'd look for simple used cars that are around $10k or less if you really need a new car.