*internet quota finish so no linking from other websites to save time*
I think one car that fits your budget and requirements would be a Nissan Latio 1.8, this is the top range version of the standard Latio. Usually it comes in a sedan body. Personally I always think it looks best in hatchback body with an Impul bodykit but those only have a 1.6cc engine option. As most Nissan's are assembled in Malaysia and have quite a big volume geting spares isn't a big issue, getting it from Tan Chong Motors isn't too expensive usually but there are many stockist and importers getting parts from overseas either original, oem, compatible, etc -- for a C-segment car it is one of the cheaper ones to maintain. Fuel consumption is fine, although the engine and gearbox don't have any fancy technology it is easier to repair and maintain that way -- not too complicated until you've always got to go back to the service center.
If you're looking for an SUV the SX4 isn't for you because it is nothing more than a glorified hatchback with crossover bodykit. SX4 isn't a bad car and would be a decent pick for someone with a smaller budget but is quite tall thus needing the headroom, however for the same reasons you can always consider a Nissan Latio it is cheaper to buy and easier to get parts for since it is locally made with high numbers on the road.

Vitara is a good car but the resale value isn't quite as good but luckily buying it used the first owner already took the brunt of the drop in value, however do expect it to drop from it's current value to 40-ish range within 5 years (the fastest period you can finish your loan) and since this is a 2013 car if you have any intention of changing car you'd better quickly trade-in as soon as the loan finishes as it is a 2013 car thus by the time you finish your 5 year loan buying it in 2016 it is an 8 year old car -- above 10 years old quite difficult to get a decent price because cash sale. The car itself is pretty good and well spec'ed however it must be a car you really like because if it is just a car you "settle" for then you're going to be disappointed because it does have a few issues, one of them is the obtaining of spare parts (you can always get from Suzuki 3s but it is expensive) outside stockist don't carry the full gamut thus be major items still have to be bought from the 3s, another issue is the fuel consumption as previously the 4WD version was considered a gas guzzler but the current model isn't that much better anyway.

The Sportage is a good car as it is feature packed, however it shares mostly the same issues with the Vitara. If slightly higher maintenance/parts purchase cost isn't an issue then these two are good choices as they're more feature pack than a typical Toyota/Honda SUV.

I think a Mazda CX5 is a good car and if you've got the budget go to any Mazda showroom to get the pre-FL at a huge discount, nearer to 100k 

something i posted a long time back

frankly speaking, for 10k everything will have below avarage power and fc

frankly speaking... ur a student and times are hard, dont modify the car till after you work abit... (heck at that point you might even go for a better platform)

To be honest at that price range you're bound to be stuck with something really old and ugly but should be cheap and easy to maintain.....or something newer but would be a pocket burner. I'll introduce to you something which best balances everything out with your needs.

2000 Nissan Sentra 1.6 - it doesn't look too fancy but that's the point, of cars this age you seldom see one which is in such an original condition and well taken care of, it should be in decent condition. I know youngsters like you want cars that are already modified and garang looks but those probably had knuckle head owners like mat rempits whom have riden the car too hard and probably falling apart now and trying to sell it to noobs like you. So a boring one like this is a good starter pack for you. Older 1600cc from Nissan are known to be fuel efficient, cheap to maintain and reliable. Generally for a C-segment you're looking at under RM200 per each service interval but since it is an old car you can shop around to find workshops that can do it cheaper for you and don't bother with any fancy stuff just regular oil and with regular service will keep the car happy, don't buy good stuff now but expect it to last very long you need to service the car every 5000km so use decent priced stuff enough. One negative though is just that you know Nissan doesn't make beautiful cars.

2000 Perodua Kembara 1.3 - this is a manual and i chosen to introduce you a manual because usually manuals are bulllet proof and you don't need to worry about it failing when you buy a used car. Manuals can take a beating and still be rock solid, unlike automatics if not maintained properly it will need to be serviced/rebuilt. Secondly, nowadays flood is very common so a SUV with higher road clearance is better, plus higher seating gives you better road visibility. If you like higher seating go for SUV's as pickups although usually come with nice and powerful turbo diesel engines that can return well over 500km per fuel tank the tires for them are very expensive where SUV's use regular car tires. Perodua should be a cheapie to maintain.

One thing about cars this age though usually absorbers, rack-ends, lower arms, etc. are the usual stuff you'll need to change for a better drive but if you don't have the budget then leave it first just don't drive fast. To fix those things depends on the part prices it should be at least RM600-2000 to get everything done including a mini service and fluid change (brake fluid, steering, etc).

I'm guessing 20k is a cash buy so I'll look at some older yet good cars.

2004 Honda Accord - this would be within your budget and fulfill your requirements. when it comes to highways it is best to go for D-segment as it is more comfortable to be in on long journey's. Maintenance is relatively cheap and parts are easy to get. Of course it is a D-segment so parts are of course more expensive than lower segments but comparing it with the same age cars and same segment it is very affordable.

nonsense add.... u cant even contact the owner... every once in a while you will see one of these on mudah..... just forget it, pretend you didn't see it