Hou Tu Owes Me Merit, So She Sent Me a Photo Album

Jiang Feng transmigrates to the Primordial World and binds himself to the Hongmeng Loan Office System.

All he has to do is lend out the benefits provided by the System. When the loan term ends, he gets back the principal and all the interest.

From then on, the entire Primordial World goes off the rails.

Can't win a fight? No problem. I'll lend you cultivation and supreme treasures.

Want to become a Saint? Easy. I'll lend you primordial purple energy and a Dao Fruit of the Primordial Chaos.

Here, there's nothing you can't borrow, only things you don't dare to borrow.

Years later, all of Jiang Feng's clients have become Saints, and it's time to pay their debts.

Zhunti: Fellow Daoist, the West is truly too poor. Could you give us a few more days to pay the interest on these spiritual ley lines!?

Tongtian: Fellow Daoist, I really can't repay the karmic fortune I owe you. How about I put the Three Xiao sisters up as collateral?

Houtu: Jiang Feng, can I pay off the merit I owe you with a photo album!?

This novel and its characters are entirely fictional. Any resemblance to actual people or events is purely coincidental. Do not imitate.