Spirit Pact Loans: I Borrowed Spirit Power to Ascend to Immortality

A life for a life, a debt must be repaid!

“Senior Sister Pan Zhen, the interest on Junior Brother's spirit-stone loans is steep: borrow nine, repay thirteen!”

Pan Zhen looks at Gao Li, whose lips are red, teeth white, and spiritual energy no higher than the second level of Qi Refining. Her red lips curl into a smile.

‘Idiot. If I borrowed these spirit stones fair and square, why should I pay them back?’

…

“Senior Sister Pan Zhen, you've defaulted!”

“Senior Brother Wu, I'm afraid you'll have to repay the interest as the guarantor!”

“I'll drain your spiritual energy!”

“I'll drain your vital blood!”

“I'll drain your soul!”

“I'll drain it! I'll drain it! I'll drain it…”

…

“The Sun and Moon Cosmic Art, fourth level. I'll take it!”

“The Spirit Field Seed-Growing Method, Volume One. What a treasure!”

“The Thirty-Six Arts of Qianyuan Dongxuan. Hm, better than nothing, I suppose!”

“Junior Brother Gao, you borrowed one hundred spirit stones. At nine for thirteen, you should owe no more than one hundred and thirty. How much more do you expect me to pay?”

“Senior Sister Pan, once you're overdue, interest is charged daily, compounded, and compounded again!”

…

Gao Li watches emerald-green spirit beads, crimson blood beads, and deathly pale soul beads scatter across the ground, the corners of his mouth lifting.

“Heh heh heh! There aren't many behind-the-scenes villains like me who let their enemies die with their eyes wide open!”

…

“Junior Brother, if you'll spare me, I'll be your servant, your slave…”

“Senior Sister, paying back your debts is only natural!”