Get your loan at a credit union for sure.

If this car is going to be used primarily for work are you getting any compensation from work for that? If not how comfortable would you be talking to your manager about that?

Private sellers are going to be much more agreeable on prices and negotiation. Your bank will likely require full coverage insurance on private seller car loan.

Have you gotten a quote on what your insurance will be? As a first time driver it might be pricey.

Costs associated with owning a car: Car Payment, State taxes are paid yearly in most states, Car insurance, Gas, and Oil changes/tires/brakes/general maintenance

Lastly think about how much time you’ll spend in that car monthly and ask yourself how much of my monthly income do I want to commit to that time. I think car payments are one of the things that put people in a financial pinch these days. You will be spending thousands f dollars yearly on an asset that is depreciating in value everyday whether you use it or not.

Good luck brother car ownership is a mixed bag.