But really if I was in your situation here's what I would do depending on the scenario.
If you plan to buy and keep a car for atleast 7-10 years then buy a used Honda for around $7K and keep the $3 for repairs over the next few years as well as basic maintenance like brakes, oil, new tires, engine/tranny work...etc.
If you plan on driving the car for less than 5 years then go finance or lease a car where your payment is around $300 a month max and then take the rest of the money and make some sort of investment