Buy Now, Pay Later: I Can Borrow the Cultivation of a Mahayana Expert

[Cultivation by loan] + [Ruthless and decisive] + [Breakneck pace] + [Crushing everyone in his path]

He transmigrates to a world of cultivation, only to discover during the immortal sect's recruitment that he has no talent. What can he do?

Activate the loan System. Use now, pay later!

Immortal-grade talent? Borrow it!

Mahayana-stage cultivation? Borrow it!

"Shen Zilin, I wasn't cheating on you. I just forgot to tell you we were breaking up!"

"Oh! And?" Shen Zilin replied, completely unfazed.

"Wait, you have immortal-grade talent?! The strongest talent in the history of Nanjiang Province?!"

Jiang Qiqi's eyes instantly filled with affection. "Do we... still have a chance?"

"Elder Lu, I killed the man who insulted me in front of everyone. They call me a demon. Did I do something wrong?"

Elder Lu shook his head. "You're the Holy Son. They're the demons for insulting you. As righteous cultivators, how could we be wrong to vanquish demons?"

"Holy Son, well done!"

"Oh? Elder Lu, aren't you afraid people will call our Zixiao Immortal Palace a demonic sect?!"

"Afraid? They're just jealous!" Elder Lu declared indignantly. "If this happens again, let this old man be the one to vanquish the demons!"

"Don't sully the Holy Son's hands!"

Shen Zilin's brow relaxed. Sure enough, dignity is found only at the tip of a sword.

Once you're powerful, great scholars will argue your case for you!

Borrow, borrow, borrow, borrow!

Wait! The sect leader's personal inner armor... That's not something you can just borrow!!