If I were you I would drop the 10,000 on a new car and take small loan on the balance. There are some great financing rates right now. I have two scions, an xa and an xd. The xa has 325,000 miles on it and its still going strong the xd is brand new. I know they aren't 4x4's but they are 4 doors, they get great gas mileage (35 - 40 mpg) and they are cheap. I bought the xa for $13,000 and the xd for $15,000 both new off the lot.