Decisions....

So I have been looking into buy an ATV since my boyfriend and our friends plan to go riding more. I am currently borrowing my dads which is no big deal but I would just like my own. I found one I LOVE but my dad says I shouldn’t get it and I should wait til I’m done school.... I am 20 years old so I really don’t have to ask to buy it but I still value my parents opinion would it be weird to ask my bf to finance it for me and I would pay him or would it be bad to to it myself behind my parents back...?

The atv is $4000 and I can finance it for 48 months at $95 a month. I work full time so literally I won’t be broke

SOS need opinions