Buy Car in cash or take out a loan

Just want some advice.

I have an opportunity to buy a 2023 Toyota Corolla with ~24k miles for 14k cash. I know the history of the car and its coming from a trusted source.

I considered buying new since there are a few low financing offers on newer vehicles in the range if 1-2%

However everytime I do the math, the amount I save by not having a car payment of about $300 and contributing that to my savings beats out the low interest rate and keeping the 15k in the my hysa

Right now I have 30k in savings, I’d deduct $13k for the car as I have a 2k in other income that I can use. Without a car payment I can contribute 550/mo to it. Plus I’d have 5k from selling my current vehicle fhat would otherwise go toward a trade in.

So thats 20k + 550/mo at approx 3.5% interest for 3 years = 42k

If I leave the 30k with aprox 3k for a down payment and contribute 250/mo then its 27k + 250/mo at 3.5 for 3years = 39k

Is there something I’m missing here? Sneaking suspicion I’m either adding or missing something