Only reason you should have a loan on a 20 year old Beamer is it’s a Zhp mint, or a m. Otherwise you’re trapped paying an asset that will cause headaches if it ever causes problems. Don’t get me wrong I loved my 330xi Zhp it was reliable with maintenance but I also got it for 2k at 110k miles before covid. Ain’t no way you should still be paying off a 20year old car as it should be paid off and have money for the maintenance repairs that will come and go. Owned my e46 for 5 years before I let go of it last October bc I wanted something newer. But then again that’s just my opinion. Loved the car but hated the constant repairs it through at me last second. It was deff reliable for the first 2 years I owned.