Originally Posted by SamS
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.
Personally, i dont remember signing anything that says that if I pay off the lease before 6 months i get chargedback any incentives or anything at all for that matter.
I know there are some back end padding incentives for the dealer like finance reserve and other stuff, they get charged back for that, some up to a year