Graduating a year early and applying to a philosophy PHD: looking for advice!
Talk to your current professors.

Assuming US, it's too late to apply for most good PhD programs this year.

The academic job market in philosophy is worse than abysmal.  You should assume you will not find a permanent academic position.  Moreover, the data suggests that your chances are even worse if you do not attend a top program - though it's not at all clear that there is a causal relationship.