There's an excellent reason NOT to give an am schedule for consumer loans that call for daily simple interest. Those notes typically call for the borrower to pay one day's interest for each day that passes since the most recent reduction (or increase) in principal. That means the actual amount of interest for the loan could be considerably higher than you estimated at the time the loan was made, if the customer is frequently late. If more of each payment goes to interest than originally expected, then the unpaid principal balance (and payoff) will be higher than shown on the "am schedule." When you give something showing due dates and projected balances, customers don't want to understand that the "am schedule" is an estimate, not a guarantee.