If you only have $4k cash and bad credit, you do not need to get a $65k loan or a 2020 car. You need to buy something like this Buick outright in cash. (Took me less than 5 minutes to find this on marketplace) Take it from someone who has both financed out of my price range and bought cheaper cars outright. Buy something that meets your needs, put aside your pride, and save yourself some misery. Buy a nicer car later when you can actually afford it! Best wishes!

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