It says that I need to log in Every time I try to get a app
See -> Require a password for App Store and iTunes purchases
Require a password for App Store and iTunes purchases - Apple Support
when I do it said I need to put in my car information even when the app I want is free then when I do it says “ insufficient funds”
You need to update your payment method or add a new one.
- If you want to change your card, add first the new card, then remove the old one.
- or if you use your Apple ID balance, set your Apple ID balance as your default payment.
See also -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
If you update your payment method or add funds to your Apple ID balance, It would take about 1 to 3 business days in order to process.
If you're still unable to update your payment method, Contact Apple Support.
Click here for more support and assistance.