New at 0% APR or Used at 5% APR?

Please help me figure out things I should still consider between these deals.

1. Car 1 (NEW)
   • 2026 Honda HRV LX
   • $28,500 OTD
   • 0% APR
2. Car 2 (USED)
   • 2021 Honda Civic EX
   • $23,500 OTD
   • 50,000 Miles
   • 5% APR
   • Clean CARFAX
3. Car 3 (USED)
   • 2019 Honda Civic Sport
   • $21,202 OTD
   • 52,200 Miles
   • 5% APR
   • Clean CARFAX

Am I just better of buying new? Are the "savings" on the used ones negligible once I consider warranty, insurance, and cost of maintenance?