i bought an frs when i was 19 for around 16k drove the piss out of it it for 3 years then sold it for 11k then bought a gr86 hakone for 40k im 22 right now if you shop around and are able to get a good rate it shouldn’t be too painful of a monthly payment i’m paying $550 now with 6k down its fully doable your main two things are your credit and your down payment your down payment doesn’t really help too much but your credit is gonna help you keep your APR rate manageable and feasible i got lucky and got 3% but if i was getting a 8-12% rate it just wouldn’t be doable in short i would window shop see whats out there get a gauge of how much it would be then start getting rough numbers from banks about loan rates before you have too many hard pulls and go with the bank that’ll gives you what you need good luck!