>Can anyone point me in the direction of a good dll or vfpclass that does consumer finance calculations. I need the ability to do APR calculations including credit life, disability, and gap insurance using actual 360,30/360,360/365 and 365 day year formulas. I either need a library to do this or a source of the formulas with examples. Any help will be greatly appreciated. Thanks1

Have you tried using the financial functions in Excel? I don't work with Excel much, but I know it has a fair amoung of financial functions, and you can use those from within VFP.