What brand new car can I walk out with $19,500?

I asked a previous question about buying a Honda CR Z but that's probably out of reach so If I could walk out the door with a car for only $19,500 that'd be great. ( $15,000 loan 4% interest and $5,000 down payment) What are some suggestion? Some makes I'm interested in is Mazda, Hyundai, Honda, & Nissan. Since I've driven big trucks most I'm interested in compact cars. Maybe like a coupe or hatch back or something like a Veloster.

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