Purchasing a car in 2025

Another question about buying a car

I’m having a hard time deciding whether to purchase a used vehicle (SUV, for ex. Rav4, RVR, CX-5, outlander, these sorts of models) >2020 (ideally in the 20-25k range) vs a brand new vehicle, which obviously they all run >30k.

Right now I have access to a line of credit at a variable prime rate - .25%. If I purchased a vehicle with my LOC I’d be paying 4.5% APR. with the LOC its nice to have some flexibility in terms of how much I can pay back and the timing.

My question is, should I go for the cheaper option (used, less total interest accumulation and overal principal I would have to pay), or given the relatively similar cost of a used vehicle these days to newer ones, just purchase the new one even though I may end up paying 5-6 times the total interest accumulated?

Thanks for the help.