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I don't see why you would want to buy a new car though? $4,000 gets you a really nice car if you pay even a little bit of attention to what you are buying.
Unless we are talking about a pickup or work van for a contractor that can lose $10k a day if his vehicle is down, buying a brand new vehicle is a terrible move. If you have pride issues and must drive a 'nice' car, buy one that is 3-4 years old, when the depreciation levels off.
As far as the dealers making more money when you finance: this is true in the fact that someone who walks in with $2,000 can buy a $2,000 car outright, or they can try to convince them to put $2,000 down on a financed vehicle that costs 40k+. There's a reason most dealers immediately send anything valued under 10k straight to the auction, and I've heard of some big dealers that cut off at 15k.
Buy private party or you are basically throwing away 25-30% on the higher dealer price.
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