Right, this isn't a lease. It's straight 60 months at 1.9%. I did call BMW Finance and they don't do a loan transfer, they however will do a 3rd Party Refinance, which seems ok. They also work with most banks to do any transfers. Having no experience with private sells I'm not entirely sure what I'm getting into. At the moment I have two BMW's and the wife asked I get rid of the 330i - her car. Not sure why, possibly I think she want's the extra money to save.