If you know how to invest properly and patiently, you can always just take the financing option of the cheaper brand new car. Make money by investing the principal wisely (instead of paying in cash), pay your monthly car payments, then have some left over as earnings.

You can then buy brand new car that you want as soon as you earn the money for it.

I think money markets right now are at about 11% over 6 years while the stock market has nearly doubled since 2012. Not a bad time to invest, actually.

Btw, buying a car is not an "investment". It it money gone.