Can't load apps on my older I pad

I have an older I pad I bought used. I loaded credit into I tunes on a prepaid card. When I enter the apps store I try to download something free such as a calculator. It asks me to sign in. I then select the app and hit install . The desktop appears and starts to load then I get an error message that my account has never been used in the iTunes store. It makes me re review the terms and conditions and accept them over and over again. Then the window of the terms and conditions only partially goes away and there a black yet transparent window over the apps screen which locks up the download process and I have to exit out to unlock my iPad ....my iPad has become useless

That can be an indication that some of the necessary information is missing from your iTunes account. You should review the information in the account and make sure everything is correct.
I am making an assumption here .....
If you want to download free content or use a gift card, unless you followed the precise steps in order to create an iTunes account without using a credit card (there is a specific way to do this), you will have to enter a credit card now in order to use that Apple ID.
You will not have to use the credit card, but in order to use that Apple ID, you still have to enter credit card details now.

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