dude, just get a personal loan for the car. They don't care what car it is then. You can tell em its for a camry!!! Thats what i did (at 22 years old - last year). Interest might not quite be so good but i not sure.
Anyway i don't think thats the best price for that. Bought my 95 gtst with 73500 on the clock, aftermarket stereo, 3 inch cat back exhaust, hks pod but other than that fairly stock (from a dealer) for about 18.5k.
I'd say you should be able to get it for a little bit cheaper than that. Offer 17k or so and see how it goes, other than that keep looking. Looking around certainly pays off in my opinion (also if you buy privately you'll get probably just as good a car but for cheaper)
Anyway good luck with the search