I agree with
@BCBrian and
@Smileyshaun - a bit more info on future plans and how you're gonna use this vehicle as daily driver would help.
If I were looking and had 10k to use, I'd get a used vehicle and no down payment, as Smileyshaun suggested, and use the amount you would have had for monthly payments for upgrades, etc.
I bought a good used van once, with high clearance and a great engine for way under 10k and drove the piss out of it all over America for about eight years, hauling camping gear and photography stuff, and was able to live out of it for months at a time. Had over 500,000 miles when I retired it, more from looking ragged, though the engine was still going strong.
I've traveled and camped with everything from a VW bug to VW bus to a Chevy Carryall to a Dodge Club-cab pickup to a Volvo wagon and more, and have settled on full size extended body cargo vans as the all-around best choice for me and the way I like to wander.
Last tip would be to not rush into anything. . . take your time and research thoroughly on forums for different vehicles, see what folks like and dislike, go to some meets and see diff vehicles first-hand.
I was convinced I should get a Land Cruiser and was favoring both the 60's and 80' series, and because of import laws, more are coming of age and being imported. I wanted a right hand drive LC from Japan so bad I could taste it, and scoured the sale pages and forums like a madman. Almost dropped serious cash more than once.
In the end, common sense took over and I realized keeping what I have and spending cash on it made much more sense in so many different ways; space, fuel economy, parts, etc, and would offer me far more diversity and capability if using it as both daily and overland/tow vehicle.
I can't afford to have two vehicles and keep one just for camping. A van is what makes most sense for me, and if you poke around enough and check out different vehicles thoroughly, you'll end up with what makes the most sense for you too.