Originally Posted by F30Alpine
Most states dont allow you to get pre payment penalty
It's not a penalty for paying off the loan early, it's a penalty where you lose the additional discounting (Loyalty, etc) if you don't make a minimum number of payments. In my case, it's 6 payments.
In other words, they are conditional-based discounts that you lose. These do not impact them sticker price of the car if you choose not to use BMW FS, or pay it off early.