It varies by State and by Promotion, so unless you find someone currently buying in NJ with the same incentive, you won't get much of a comparable experience. To be safer, you might as if the is any minimum amount to finance to get the promotion. If not, then simply give them a down payment of about 80% or so of the total amount, finance the 20%, and wait for three months to pay it off. The interest would not be that much if you want to be extra sure about it.

The possibility exists that the Dealer/SA does not get their incentive or credit from BMWNA if it is paid-off sooner than three months....