Divine Transformation!

Divine Transformation!

The Immortal Dao road was strewn with thorns, with endless hardships to encounter and undefeated foes to face.

Troubles like poverty, lack of money, and cash-flow difficulties were commonplace for the vast majority of cultivators.

Zhang Yu had long since accumulated abundant experience in dealing with such matters.

What could dispel sorrow? Nothing but loans.

Zhang Yu had originally selected the lowest-interest loan on a legitimate platform and borrowed 180,000 Immortal Coins.

But after he rose to the Fourth Rank, the credit limits on some lower-interest loans skyrocketed.

Perhaps cultivators who were naturally cautious, or feared they would be unable to repay, would choose to pay back their debts first after receiving a promotion.

But Zhang Yu had made up his mind to do the opposite.

He would borrow even more Immortal Coins! He would raise his realm faster and gain greater earning power. Then repaying his loans would only become easier.

"If I do not even have confidence, what am I striving toward the pinnacle of the Immortal Dao for?"

"Besides... this credit limit is an advantage I gained after becoming a Level 4 Sect Affairs Officer. If I do not make use of it, would that not make this promotion pointless?"

"Loan platforms, let me see your limits."

At that moment, Spirit Realm interfaces surfaced before Zhang Yu one after another as he opened loan platform after loan platform.

"The shortfall is 200,000. I will probably need to borrow 250,000 in the future. Otherwise, if all the money goes into the Spirit Transformation Pool, I cannot possibly be left without living expenses and monthly repayment money..."

Of course, Zhang Yu did not intend to borrow it immediately. He planned to wait until he had spent most of the 400,000 in hand before taking out more loans.