I Became a Saint by Lending Money to Cultivators

“Fellow cultivator, you wouldn’t want to fail your tribulation, would you?” After transmigrating to a cultivation world, Mo the Exploiter (crossed out) Mo the Great Benefactor gains the “Merit Loan Contract” ability and embarks on a crooked path of “getting rich by lending merit, becoming a saint by collecting debts”! His business creed: Borrow nine, repay thirteen. Interest is calculated by the second! Can’t pay? Put up your body as collateral and work off the debt with your soul! Trying to dodge your debt? Heavenly tribulation collection, with karmic fire on the side! Customer feedback: A certain Sword Immortal: “I borrowed 100 merit to buy a flying sword, but compound interest piled up until I couldn’t repay it. I lost the sword, and ended up working as his security guard...” A Demon Sect Saintess: “I only wanted a loan to get revenge. Now he owns my sect, he owns me, and even the spirit dog I raised belongs to him!” The Master of the Heavenly Secrets Pavilion: “I only borrowed a little money to save my life, and now every secret in the entire Heavenly Secrets Tower bears the Mo surname!” When the cultivation world unites to hunt him down! Mo the Great Benefactor smiles and pulls out a stack of contracts: “Sword Lord, that ‘start-up loan’ you took out to launch the war between the righteous and demonic factions comes to thirty spirit veins, principal and interest included.” “Demon Venerable, I’ve got the title deed to your demon palace. How about paying in installments?” “Heavenly Dao? Oh, that merit you borrowed from me last time to mend the laws is due. Time to settle up.” 【Reader advisory】 The protagonist’s values fluctuate with interest rates, and his morality is adjusted according to the contract. Villains usually die because they can’t repay their debts, not because they lose in a fight. We recommend reading with an abacus on hand, so you can keep track of how much you owe. My friend, you seem to have good fortune. Would you like to borrow some merit? We can discuss the interest.