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I'd push to 3,500 out the door. If that doesn't work just tell him thats all you have a loan for. He'll go back talk to someone and come back. You don't want financing. If you finance they just readjust the amount the car costs into the financing so you still end up paying 4K for the car plus interest.
You want to deal with a credit union outside of their financial services because they have no ability to manipulate the car price based on financing.
Also it gives you leverage because thats what you have and thats it he can't argue you into paying 4K by taking a longer loan because you have the loan and its 3500
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