Cultivation: I Rule the Three Realms, Yet I Still Have to Repay Loans

Dark and ruthless, Shen Ye transmigrates into a world of cultivation, but this is survival on the hardest setting. From the start, disaster victims have him tied over a bonfire to roast. To stay alive, he has no choice but to rely on a golden finger that comes in the form of crushingly predatory loans.

Others cultivate to pursue immortality, invincibility, and freedom. Shen Ye cultivates to make money and pay off his debts.

His days are packed: slaying monsters, seizing treasures, killing people, collecting debts, and calculating installment interest.

The good news is that he has finally found customers of his own and started making a profit off the difference.

The Human Emperor begs for longevity? Certainly! One extra year of life will cost a billion taels of gold.

The Demon King wishes for divine powers? Sure! Buy eight, get one free. Payment accepted in great demon cores.

Fellow cultivators want to borrow a magic treasure? No problem! One hundred thousand spirit crystals, payable in ten installments, at twenty percent interest.

When the human, demon, and immortal realms have all become his cash cows, Shen Ye looks up at the endless bills and roars at the sky:

When will this ever end?