Help with "Car Loan" Java project

Projects
1

Here is my code so far, following the instructions

public class CarLoan {
	public static void main(String[] args) {
	int carLoan = 10000;
  int loanLength = 3;
  int interestRate = 5;
  int downPayment = 2000;
  int remainingBalance = carLoan - downPayment;
  int months = loanLength * 12;
  int monthlyBalance = remainingBalance / months;
  int interest = monthlyBalance * interestRate / 100;
  int monthlyPayment = monthlyBalance + interest;
  
 if (loanLength <= 0 || interestRate <= 0)
    {
    System.out.println("You must have a 1 year loan minimum.");
 if (downPayment >= carLoan){
   System.out.println("Your car can be paid for in full.");
else {
   		System.out.println(monthlyPayment);
	 }
 }
  }
  
	

	}
}

I’m getting an error message saying I need an if statement for the else statement at the bottom. What’s wrong?
Also, please excuse me(my first post) if I formatted the code in badly.

2

Monthly interest is 5% / 12.