just like everyone else is sayin, you will need a cosigner. i didnt finance a car til i was 21, and its the s2000. i had a cosigner.

you will have to start building credit somewhere. if youre only looking at like 7k, may as well be now. if you have a good down payment, your interest rate might be ok. but look into insurance first to make sure you can afford full coverage(full coverage is necessary when financing).

even if the minimum is low, 7-8k can be paid off in a year easy. pay extra, make sure there is no early payment fee.

i kinda got raped on buying the s2000. no credit history, hardly anything to put down=high interest rate. i was in a bind, had to get something quick, and im kinda regretting not looking around further or trying to get a better deal. ive always wanted a s2000 so its worth it to me, but its a lot of $ with insurance and all. could have had a better deal.

like someone else said above, the best car is paid in full. if theres nothing wrong with your lancer, just keep saving until it breaks. dont get too crazy with financing. you can have a boring car to get from a-b with plenty of $ to fool around with, or a nice car, stuck with a payment, and no $ to have fun.