No Money to Cultivate Immortality? Just Take Out a Loan!

Cultivation has long since entered an era of diminishing resources!

Spiritual qi is depleted, resources are monopolized by the great sects, geniuses are pushed to the breaking point, and ordinary people cannot even get their hands on a single Foundation Establishment Pill.

Others cultivate bitterly for a hundred or even a thousand years, competing in talent, fighting over secret realms, and gambling on fortuitous encounters.

Shang Lu awakens the [Immortal Dao Credit System]: Not enough cultivation? Make up the difference with a loan!

He can borrow cultivation, techniques, magical treasures, and even a Tribulation Transcendence Experience Card.

The price is not spirit stones, but karma, fortune, and future cultivation.

Miss a payment, and the System immediately sends the Heavenly Dao to collect!

Sect prodigies and immortal maidens: "This is nothing but a crooked path!"

Shang Lu: "If you can't keep up with the grind, just add leverage."

He borrows money to break through and lends it to cultivators of every stripe, turning the entire cultivation world into a lending market.

Sect leaders owe him enormous debts. The Nine Heavens Mysterious Maiden, Nuwa, Pangu, and ancient Immortal Venerables all receive debt-collection summons.

While everyone else is still desperately scrambling over the market's limited slice of the pie,

Shang Lu already commands trillions in immortal loans, shaking up the order of the myriad heavens!

Even beautiful demon empresses beg him to settle their debts through dual cultivation!

"Don't lecture me about the righteous principles of immortal sects. Paying your debts is only natural!"

A true immortal has appeared in the cultivation world. He really does lend money! If you have no money, what are you cultivating for?!

If you can't beat them at the grind, then level up with all kinds of loans!!!

Who says he doesn't understand cultivation? Spending money is a kind of cultivation too!

What do you mean, the age of cultivation's decline? That's just because you haven't spent enough!