Being afraid indicates a lack of emunah.
I know that logic would seem to dictate that one needs emunah as a pre-requisite to praying to HaSh-m,
BUT…
That is NOT necessarily true.
What you need to do is to Daven to HaSh-m FOR emunah.
Talk to HaSh-m. Tell Him you are afraid. Tell Him you are terrified. Tell Him to help you to have emunah. Daven HARD for emunah, and Daven for it OFTEN.
HaSh-m WILL answer you and strengthen your emunah.
When your emunah gets a little stronger, you will be able to daven even MORE strongly to HaSh-m for MORE emunah.
It’s a cycle. Pray for emunah, then emunah will help you pray (for MORE emunah) etc., etc., etc.
Perhaps you can start the process by thinking about the fact that HaSh-m HAS taken care of you until this moment. You have a roof over your head, you have a bed to sleep in, you have food to eat, you have clothes to wear. He HAS cared for you until now, so why would you think that He will stop in the future?
With that thought in mind, start the process of praying for greater emunah. You CAN achieve it. It’s up to you.