This JavaScript routine computes loan payments using formulas widely utilized for mortgage-style (home, personal, auto, etc.) loans in the banking industry, and based on personal experience, is fairly accurate. However, the routine is provided "as is" without warranty of any kind, either expressed or implied, including, but not limited to the implied warranties of merchantability and fitness for a particular purpose. The entire risk as to the selection, quality, results and performance of the routine is with you. Should the routine prove defective, you assume all liability and expense incurred as a result thereof.