Worse than odd. I do some stuff to come up with a number that apparently is legal since we have not had anyone else fined since I put it in place but there has to be a formula out there somewhere. By the way the formula to convert an addon rate to an apr is ( I got this from somewhere. I do not understand what it is doing but it works) :

a = ptf/ppyear && RATIO BETWEEN PERIODS TO FIN AND PERIODS PER YEAR
i1 = A * rate && RATIO * ADDON RATE
i3 = 1000 * i1 && AMT TO FIN * i1
ap3=(1000+i3)/ptf && AMT TO FIN+INT?? DIVIDED BY PERIODS TO FIN
ap1=1000/ap3
ap4= 1/ap1 - ap1/(ptf*ptf)
IF ap4 <= 0
IF ap4<0
WAIT " INVALID ENTRY ....." WINDOW
endif
T_ADDON=0.00
RETURN 0
ENDIF

DO WHILE .T.
ap5 = 1-(1 +ap4) ^ - ptf
ap8 = ap4 * ap1 - ap5
ap7 = ap8 / (ap5/ap4 - (ap4* (1 + ap4) ^- (ptf -1)))
ap4 = ap4-ap7
IF ap4 < -9999999999
DO FORM mymessage WITH 'You need to return to the company screen and put in the maximum APR that can be charged for each year model vehicle.'
RETURN 30.03
endif
IF abs(ap7) < .0000001
EXIT
ENDIF
ENDDO
myint=ap4 * ppyear * 100
myint= ROUND(myint,2) && this is the APR
RETURN myint