Miss Sword Cultivator, Your Spiritual Energy Has Expired!

"You've borrowed a total of 360,000 points of spiritual energy from me. The annual interest rate is 42%, and the first three installments are interest-free. I'll also give you a large-payment discount voucher, so you now owe me a total of 500,000 points of spiritual energy."

Su Xiu wore a mask as she looked at the flustered sword cultivator before her. She worried the other girl wouldn't be able to repay the loan, and felt a little softhearted.

"Um, if you can't pay it all back right now, you can arrange to pay in installments. This month, you only need to make the minimum payment. As for the interest, I can..."

"No need."

The sword cultivator gritted her teeth, as if she'd made up her mind.

"I'll pay you back with my body."