No credit, borrowing more than the car blue books for (approximately $2000 is the highest I found on KBB for a '94)? You might be better off buying it with a credit card.
For that kind of money, you can get a 1st gen Insight.
Here's one in Seattle, don't know where in Washington you are. $5000, 128k miles, 5 speed, 2nd owner, all the service records, new tires.