That makes sense. My sister was in a huge accident with her Saturn a few months back and was without a car for a while. I know the pressure of finding a vehicle ASAP is like from her experience.
From personal experience, I do not recommend an interest-free loan from one's parents. It's so hard to pay back. I still owe my parents more than a grand for my Probe (which I got rid of in 2003) and my sister does for her Saturn. I think my parents have just forgiven them by now, but still, money transactions within family are difficult. I'm "paying" it back in presents now that I have a salary
If she is over 18 I recommend a small car loan through a bank - or a small personal loan if the bank won't do a $1K loan. It's a great credit-builder especially if you have huge student loans (like me), and keeps you from being irresponsible with money. I can think of so many things I purchased with money that should have gone to my parents.
Out of the three choices, for the price range the Contour is probably your best bet. Although I fear it may potentially be the least reliable, at least the repairs are less costly. However, I am also extremely partial to Subarus

and an Impreza Sport Wagon is a neat idea for the money, while also being possibly cost-effective. Or a cheap Outback
example
Since your GF was in an accident: If you think her parents can stomach it, gather all of the totalled Contour pictures you can find on the site (there are a bunch of rollover ones too), compile them together with a Post-it on top saying "Everybody walked away from these with nothing more than bruises." One of the things I love about this car is its safety record. I have a scanned Cartalk article about a totalled Contour T-boned by a Suburban where Tom and Ray said (quote) "Be thankful for the protection the car did provide. The manufacturer obviously did something right." .. I can give you that scan if you like.
Although at that point you might scare them off with your Contour obsession
