I'll be signing the papers next week for my '11 35d which I plan to pickup at the PDC on the 28th. One if the only reasons I am either going to finance or lease, is to get the $2500. incentive offered by BMW financial.

If I finance it, I plan to just pay it off right away but my SA said I need to keep the loan for at least three months or BMW financial would take back the incentive.

I was always of the understanding that (at least in NJ) that you can prepay any loan without penalty, does anyone have any information to the contrary?