21k Autoloan at 19?

all you can do is ask ..............

$16.75/hour is about $34750 a year before taxes. An auto loan would generally not be granted for someone of that income level, unless you had a big downpayment.

However, you could apply for an autoloan or merely go into a bank and ask to sit with a loan counselor who could tell you.

If you have a big down payment, like $10,000, then you might get the loan. I prefer to save up and pay cash myself. I don't buy new, and I buy from private parties to save thousands. Don't forget about insurance costs, gas/repairs and maintenance.

very likely you're be approved but solely based on who dealership lenders or financial institution you choose to use

Looks good except your credit score.

It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding whether to approve of a loan application. Similarly, if you apply for a credit card with a 650 score, you have a much smaller chance of being approved.

Reference: www.creditmantri.com/article-can-i-get-a-loan-with-a-credit-score-of-650/

Not great. Expect to pay an interest rate that's above the market. The dealership will have to call around to find financing.

Just starting out, you should not be going into that much debt for a car. The rule to follow is that if you can't afford the monthly payment on a 3-year loan, you can't afford the vehicle. If you need to stretch it out to 4 years, OK. Any more than that, do NOT do it. Get something less expensive.