Your best bet is still to buy from a private party on a car you can afford.
Be sure that you take it to a well qualified mechanic for a complete check out and run the VIN# to make sure I has never been crashed.
You won't get any financing or a warrantee as private parties always sell "as-is".
Also be sure to do some research online to see if there are a lot of lemon reports on the year and model you chose.
I suggest joining AAA at the premium level, it was $89 the last time I was a member. This will give you 100 miles free towing and roadside assistance if you need it. After you join ask them to refer you to a mechanic to have the car checked out. BTW if you are a premium AAA member you are covered in any car you are in, not just your own car, which can be a real big +.