About to take out my first loan to buy a car.?

ok, so I need $2000 to buy a car. (person to person, not from a lot) Through my bank I can get either an auto loan for $5000 or a personal loan for $3000. With the auto loan theres a penalty for paying off early, but 5.9% interest rate. The personal loan has a 13.06% interest rate and NO penalty for paying... show more ok, so I need $2000 to buy a car. (person to person, not from a lot) Through my bank I can get either an auto loan for $5000 or a personal loan for $3000.
With the auto loan theres a penalty for paying off early, but 5.9% interest rate.
The personal loan has a 13.06% interest rate and NO penalty for paying early.
I'm leaning more towards the personal loan because I can pay $1000 the first month and REALLY knock a lot off.
I have bad credit so the interest rates are going to be high for me anyways. Just wanted to make sure I'm making the better decision if I take the personal loan in lieu of the auto loan?
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