With all the problems you mention (oil pan, head, heater coil, radiator leak, breaks) I think I'd go for a different car if you can afford it. I agree with Jason that you should only pay cash. I love honda's. I've owned them ever since college and I've never had to do anything other than routine maintenance on them. I only keep them about 10 years, though.
I bet you could get a civic, or another reliable beater for less than the 10k. 10K isn't bad for that car. I checked consumer reports and 02 is ok for the accord except for the transmission. For the accord, I'd go with either a 99 or an 04 if I had my pick based on the consumer reports repair history. The civic is across the board solid. If you know the owner of the accord you might try bumping them down a bit -- but knowing the repair history would be a plus. It will need about a $800 maintenance at about 90K if it has a timing belt instead of a chain. The belts have to be replaced at about 90K, just FYI.
One other thing to consider is how long you plan on keeping this next car. If for a long time, getting a used honda with a good owner history can be worth it. If for just a couple of years, dropping $1500 a year on repairs for a few years, saving and then getting a nicer car then would probably be cheaper. Then again you have the hassle of having the car in the shop more often...