I Took Out Payday Loans to Raise a Virtual Girlfriend, and Now I’m Invincible in the Apocalypse

Chen Beixiao survived for less than three hours in a doomsday world overrun by demons.

Then he was reborn, back to one year before the apocalypse arrived.

Having already lived through the end of the world, he knew ordinary people had no chance of surviving it.

Chen Beixiao gave up struggling.

His parents had both died when he was young, and he'd lived a hard life, studying while working. Nobody cared for him or loved him. After finally graduating from college and finding a job, he had all his savings swindled away by his girlfriend.

He was tired.

He had one year left to live. Since he couldn't change his fate, he might as well let loose and enjoy himself!

He didn't want to be bound by anything anymore. He wanted to live out the rest of his life to the fullest.

He'd planned to have one last doomsday blowout, but by chance, he got hooked on a girlfriend-raising game.

The game was set in a world of immortal cultivation, where players could spend money to buy items for their virtual girlfriends.

His virtual girlfriend was so cute that Chen Beixiao couldn't resist paying to level her up.

But what if he had no money? A sudden idea struck him: what about taking out online loans?

The world was ending in a year anyway. Everyone would be doomed, so why bother paying back the loans?

And so Chen Beixiao spent his days taking out online loans to play the game.

At last.

One year later.

He had raised a generation-defining empress.

When the apocalypse arrived, Chen Beixiao was already prepared to die. But to his surprise, his virtual girlfriend shattered the void and came to his world...