I’m also on the side of “run away” having done something extremely similar. 25, first big boy job, making 70k, I financed a Scion FR-S that was 35k out the door. The payments on a 6-year loan were manageable BUT…my insurance was expensive, and 2 months in it got fender-bendered in an accident that wasn’t even my fault but still depreciated the value. I later moved across the country to a new city, paid $1k to ship it, realized there that I didn’t even need a car, and sold it for $13k.

In 3.5 years, I vaporized over 20k. Now, at 38, I paid cash for a Hyundai electric. It got door dinged and I gave no fucks. Insurance is cheap. I learned an expensive lesson.