You mentioned you liked the Subaru Forrester and your bank would finance a car 5 years old or less and you didn't want to pay 30K for a car. If you search Auto Trader within 200 miles of an Atlanta zip code there are at least 2 pages of 2020-2024 Subaru foresters listed for under 25K with under 100k.My bank isn't competitive at all as far as auto loans. In fact they told me to go to Robins Credit Union. I hate Robins. My wife banks there.
Problem is MY bank would do an auto loan for me but it has to be under five years old. And I ain't trying to buy a $30K car.
If you stretch it out to older years there are Forrester listed with under 100k listed starting at $5985. You can totally find a Forrester for your budget. We have had 3 of them in the family and have never paid more than 15k for any one of them.