[Crisp]

How does BMW financing work if you try to pay the car out fully before the end of the financing term?

For example, if you finance a car for 60 months @ 3% and after 30 months, you want to pay it all off. Are you allowed to pay the remained of the balance without any penalty for paying it early? Do they add the complete 3% on the whole 60 months so you end up paying the balance of the car, plus the remainder of the 3% finance?