I bought a slightly used 2013 FR-S that had 24k miles. I'm in the EXACT same boat as you but I was a DJ before I got an actual job (project coordinator). I'm 20 years old and will be 21 in october
and i can afford an frs. I made sure that my expenses for the frs (payment and insurance) didnt exceed 1 paycheck (i get paid weekly). Anyways I was able to put down $2,500 and get a 2.57 apr on the car (crazy I know huh?) and I'm financing it myself. You can have a co-signer to help with interest. I have previous credit history due to the fact I took out a small loan of 2k for a wrx about a year ago. I paid that off and then sold the wrx. I'm financing the FR-S for roughly $320 a month and my insurance is roughly $150 a month. 20 years old, live in CA, 1 speeding ticket on my record. I afford this car just fine.