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I am a quickbooks pro advisor. QB can do these things for you. You might want to use the help feature before you upgrade software.
Your QuickBooks can handle this task with the proper set-up of Notes Receivable and Interest Income accounts. Depending upon the way in which you are permitted to charge interest in your locality this can be a memorized transaction for eash customer. As a Certified QuickBooks Professional Advisor I would recommend that you us QucikBooks Premier edition.