Needing some advice

Good afternoon I’m looking for some advice as I’m 19 turning 20 and currently looking for a new vehicle as sharing one vehicle isn’t viable for me and my spouse anymore so I’m looking at a 2018 used Chevy Cruz for 12k and looking into financing it I have a good credit score of 742 and always make my payments on time the apr is 8.1% and I’m just wondering if this would be a good option as unfortunately it’ll be easier to save money with a car note then without?