My tank is a 20 gallon. I have had it for a month. I was hasty with the nitrogen cycling and I added Fritz Zyme 7 I read that it has helped people with their nitrogen cycle and allowed them to add fish immediately. Yeah that is too good to be true...

I currently have 3 mollys, 3 guppies and 4 oto cats as there was a huge algae bloom (I assume now from the nitrite/nitrate spike). I noticed one of my male guppies fin turned cottony I believe fin rot. I tested the water and the nitrites & nitrates were very high so I did a 30% water change yesterday. Today I tested my waters and ammonia is 0, nitrites 0.50ppm and nitrates 20ppm. Idk how my fish are even still alive especially the oto cats. I added some aquarium salt for now. Should I go buy Prime Seachem? Should I change the water till there is no nitrites? Should I go & buy a cycled filter? Any advice is much appreciated.