I have inquired about this before through BMW Canada. You can prepay the loan I believe up to a year (I don't know if that has changed as I asked about this 2 years ago). If you prepay they will just put the account on hold for the time being and resume with no penalties.
I am not familiar with US interest rates but when I financed my current car BMW Financial Service had a way better interest rate compared to bank. I was offered 0.90% and on top of that I got a reduction of 0.75% (because preferred customer) so my interest rate right now sits at 0.15%
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2020 F39 X2 xDrive28i M Sport Package (Black Sapphire Metallic
2017 F22 230i xDrive M Sport Package (Alphine White)
2015 F30 328i xDrive Luxury Line (Alphine White)
2012 F30 320 RWD (Alphine White)
**As you can see, I have an unhealthy obsession with Alphine White**
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