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Thanks for all the comments. I have decided to refinance with lower APR.
The money save on interest will go to future items on the car.
Possible a Akropovic full exhaust.
The reason why I am so set on paying off the car in 2 years, is to build up credit.
My credit right now is on excellent but I have no history of loans.
That is why I am unqualified for the 3.19% APR that BMW was offering for the M3.
All of my previous cars I pay off in full, when I pick it up.
I never had a loan and this will be a good way to build history.
In the future I will possible get better APR rates, when I decide to buy a house.
All of this is just a foundation to work on.
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