Hi i need help with a revising and grammar check with a paragraph

paragraph - A business contract i experienced was a car loan i bought a car last year and is paying it off to a bank called industrial credit union. My car loan is going well i haven't had any difficulty with the bank about any changes to how much i am paying. The loan has helped me increase my credit scores which caused my interest rate to decrease. and ive helped me manage how much i spend

What advice i would give is to know every detail to what you're coming in contract with. to read over the contract and take time to think about if it's something you can handle. I didn't think twice when i signed the documents fpr a car loan i was just excited to having a newer car that i didn't think twice. it is hard to handle concentrating in school and working a lot at the same time to have enough to paying my car.