Transformed into a Magical Girl? Why Am I the One on the Bottom?

[Transformation, magical girls, loans, pink-haired catgirl, cuddling, love rivals, gorgeous creditor, personal growth]

Lin Youyou feels like the sky is falling. What kind of person transmigrates only to become a “debt queen” owing over a hundred million?

With her creditors hounding her for payment, Lin Youyou has no choice but to make one final gamble.

But why did I turn into a catgirl? I wanted to be a magical girl!

[Ding! Your icy creditor, Tang Zhiyi, has agreed to your request. Her condition: dance an otaku routine until she’s satisfied.]

Lin Youyou: “...I’m a grown man! You want me to dance... Fine! I’ll dance an otaku routine!”

[Ding! Your gentle yet cunning upperclasswoman has offered you an “Upperclasswoman Support Loan.” The condition is a date. Accept?]

Lin Youyou: “Senior, don’t... Don’t come any closer!”

[Ding! Your elegant and dignified young lady creditor invites you to admire the moon. If you decline, repay ten million.]

Lin Youyou: “Fine, we’ll admire the moon, but why did you bring me into the woods??”

Help! All I wanted was to be a magical girl, fight monsters, earn money, and pay off my debts! Then I could live out a quiet, comfortable retirement!

What’s with all these advanced weapons and S-rank manuals…

When the other magical girls look at her with envy and jealousy, only Lin Youyou knows how much these outrageously expensive loans have cost her.

And she never even asked for them.

What? You think being surrounded by heaven’s favored daughters makes me happy?

When the love rivalry erupts and her creditors bring out their respective loan contracts, Lin Youyou discovers in horror that the final page of every contract says the same thing:

“Final interpretation rights belong to the creditor. Collateral... Lin Youyou herself?!”

[No System, a magical girl who grows stronger... Also known as: “Magical Girl Loans: Getting Stronger? My Creditors Are Acting Weird”]