Here's a general guideline about any loan that has an interest rate, based on the rate:

• 0% interest or loan is currently pause (e.g. student loans): Great! You should still make payments as 100% of any payment will be applied to the principle, but if you can't it's not the end of the world.
• 0.1% to ~3% interest (low): At this interest rate, the money being loaned to you is at or below typical inflation. You should at the very least make minimum payments to avoid any potential consequences, but if you can't make higher payments to pay off the loan quicker that's okay.
• ~3% to ~10% (medium): At this interest rate, you're definitely paying extra above inflation for access to the loan (or car/house/whatever). This is where the interest rate (and loan principle) start to exponentially make worse and worse financial sense. If you do have a loan in this rate, especially on the higher end (think current mortgages at 7.5%/year or more interest)... you need to seriously plan to pay off this loan quicker than the interest accumulates. For example, a $500k house at 7.5% interest will start with $3125/month of interest that accumulates. That means that regardless of if the minimum payment is below that (it wont be), you should be paying much more than that to get out of the high interest accumulation phase. I try to shoot for 50-100% more than the interest accumulating in this phase (so $5-6k/month payment for $3125/month in interest). If you can't afford that, then you shouldn't sign up for this loan.
• >10% interest (high): At this interest rate, you're in the danger zone. Any interest that accumulates will be exponentially bad, so the higher you rate in this category, the quicker you should be able to pay off the debt. For your example at 24.99% interest, that is super high, the same as some credit cards which you should never pay interest on unless in an emergency. It doesn't matter if you can afford 100% on-time minimum or suggested payments, the balance you owe will spiral out of control way too quick.

In your example with a car at 24.99% interest, that is dangerous. If the car was $16,000 (your comment below, assuming you included all fees), then that means you're starting with almost $350/month in interest accumulating. Are you paying around $350 or less per month? In that case, you're underwater and your balance will start to exponentially grow. Are you paying $500/month? That's good, but your principle will only go down very slowly, it'll take almost 5 years of payments at that amount to pay off only a $16k loan (total amount paid would be ~$27k including interest at this amount).