Look on Craigslist for kayaks. There are deals to be had. Personally I have hobie PA12, and can car top it by myself. In a truck it would be a breeze. Plenty of similar styles out there. I would think models a couple years old will be floating for sale, and you might find a good deal on a brand new one with holiday events coming up. Also having a kayak will give you options to fish bigger lakes and creeks/rivers if you have any close by. Third if you ever get to saltwater you will be glad you one as well.
Sure you will enjoy whatever you get, to get you off the bank!