Quick clarification please:

The GJE you submitted is simple EXCEPT that if we already wrote the check from the register it is already posted to the bank account & Car asset account (Bank DB 1000, Car CR 1000) so if I then go and create the GJE you outlined, I now have TWO $1000 debits to my checking account. So, that's not right. 

Seems like there are two options... I think Option 1 is the way I would go.  Thoughts?

Option 1: Since check is posted as CR to Car, the GJE could be

Car  Dr 4000 (this is the Purchase Price less the downpayment of 1000 that was posted with check writing)

Loan CR 4000 (this is the loan opening balance)

Option 2:

I can post the downpayment check to Bank DB 1000, Loan CR 1000 and then my GJE for the asset would be

Car Dr 5000

Loan CR 5000 (since 1000 will be a cr posted with the check writing)