Wow, do you plan on going to college? Or do you plan on getting also your own place? DO you work?
DO you know the APR? Anyways sorry for all the questions, but that is something to think about.
Young teens don't know what they want. I have a cousin who is 18yrs old and she got a Mercedes Benz and she spent all her money on it and it did not last her that long before it broke down and she got it repoed. Why because she thought she could be a baler and pay it off and look good. Plus she got ripped off, because she didn't kn ow much about all these expenses APR, didn't care, Insurance, mileage which was 170,000 already about to break down, gas. Anyways that was funny to see in the end!