In a Horror Movie World, I Became a Professional Loan Shark?

After transmigrating to 1990s Hong Kong, Su Chen hopes to make his mark, only to discover that he seems to have entered a world crawling with ghosts and monsters.

A Mountain Village Old Corpse, Hong Kong's Most Haunted House, Troublesome Night, My Date with a Vampire...

Su Chen thinks he can only keep his head down and slowly build up his strength, but unexpectedly activates the underworld version of the Loan System.

It only lends to ghosts, never to humans.

Su Chen: Our annual interest rate is never less than 100%!

Vicious Ghost: Borrow anytime, get your money anytime, with funds arriving in as little as five minutes. A big platform you can trust!

Male ghosts who can't repay their loans are sent off to do hard labor. Female ghosts are kept to serve people. The pretty and powerful ones become bodyguards, while the truly frightening-looking ones go collect debts.

As Su Chen ventures out into the world, Sadako, Kayako, Freddy...

Are you suited to debt collection, or would you rather work in customer service?

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