TMZ posted the photo this morning -- showing 18-year-old Styles rolling around Hollywood in a brand new Ferrari California this weekend.
Former 'N Sync singer Lance Bass had some words for him too -- telling us last night, a Ferrari is a TERRIBLE investment at this stage in Styles' career. Lance said Styles should be focusing on saving his money, not throwing it away on cars.
But Lance wasted his breath -- because a rep for Styles tells us, the young singer is a whiz with his money ... and only rented the Ferrari for a few hours ... as a rare treat.
We're told the Ferrari cost Styles a few hundos at most ... which he can probably afford.