This is the move. Do the 13% interest personal loan, pay off your other high interest loan ASAP. In the meantime, Uber/bus/train/walk. I’m not sure why your insurance is so high but that makes owning any car a terrible idea
Now it might take a while, but given that you live in Philly, are you SURE you can’t take the bus to work? 20 miles out means what, King of Prussia or Plymouth Meeting?
Totally agree. Take the loan and use your parents car to get your credit back on track. That is, only if the loan payment is significantly less than your current total cost of insurance + current loan payment. As your credit returns, opportunities will open up. Once all those loans are done and paid on time it will do wonders for your credit.
If you are currently on your own policy and decide to go carless for a while, consider maintaining continuous liability coverage, or your next obstacle could be the cost of getting a new insurance policy as someone who was previously uninsured.