When would you try?

I started working full time in February, I make 3200 a month... I want to try for a little SUV. Perhaps a hyundai or Nissan. Nothing too expensive. Would I have better luck at a second hand place or actually go to a Hyundai/Nissan dealership place?

I do have a 800$ bill I want to pay off first, just so they see I pay off my bills lol. BTW how can I check my credit without like, bringing my score down? (I’m in Canada) I’d like to know if I owe any companies $$ & pay them off. I’m learning hahah, I’m 22🤭 Thanks!