I just hit puberty at 20

Basically I remember that I hit puberty later than my peers, when ohers grew pubic hair,etc. I had literally 0 hairs everywhere else. People tell me today that I look like 17/18 eventhough I am 20 so I am wondering if I should wait with fin or not. I haven’t been growing for almost 2 years now is this some indication? My beard has been developing pretty well in the last 2 years and now it is almost complete apart from connectors. Could fin affect my “maturing”? especially facial bone/etc. maturing/masculine appearance.

If you are not balding or losing hair, don’t take finasteride. There is not effect on facial bones once you have matured. If you take finasteride, it could reduce your beard growth.