"Hello, this is Chen Yu."
Seeing the call connected, a hint of mockery flashed in Liu Ruyan's eyes.
He still claims he's not a simp?
A short essay was all it took for Chen Yu to reveal his true nature.
She chuckled, "How have you considered the loan? Don't worry, I definitely won't harm you."
"Hmm. I think what you said makes sense." Chen Yu's voice on the other end of the phone was surprisingly calm. "So I specifically went to Kuai Kuai Dai Mortgage Loan Company to consult with a salesperson."
"Hmm... Hmm???" Liu Ruyan was suddenly startled.
Oh no!
When did Chen Yu become so smart?
He actually went to consult with a salesperson?
As long as he understands the loan company's 'borrow nine, return thirteen' scheme, he would never borrow money!
Unless... Chen Yu is an idiot!
"I think this loan is fine. Isn't it just 'borrow nine, return thirteen'? I believe after I get into university, I'll definitely be able to pay it back." Chen Yu's voice was full of determination:
"Even if I can't pay it back, don't I still have you?"
The other end of the phone fell into a brief silence.
Liu Ruyan's beautiful eyes widened; she couldn't believe her ears.
She used to simply think that Chen Yu was a good-for-nothing who couldn't turn his life around even with an SSS-level Martial Art Talent.
Now she realized she was wrong, incredibly wrong!
Chen Yu might actually be a true idiot!
Even 'borrow nine, return thirteen' is acceptable? He even thinks he'll definitely be able to pay back the money after getting into university?
Who gave him such confidence?
As for her helping Chen Yu pay back the money,
Such a good thing wouldn't even happen in a dream!
A pleasant surprise, Liu Ruyan quickly said, "Chen Yu, where are you now?"
"At the entrance of Kuai Kuai Dai Mortgage Loan Company."
"Wait for me, I'll be there right away!"
She hung up the phone.
Chen Yu took out the business card Chen Zihao had given him, found the number on it, and dialed:
"Hello, I'm that Body Cultivator from earlier."
"Brother? What's wrong?"
"I found a guarantor: Liu Ruyan, Young Miss of the Liu Family, from Pingcheng First High School, Class 4 of the third year. She's the girlfriend of Li Guanghao, Second Young Master of the Pingcheng Li Family. How much money can she guarantee?"
Chen Zihao hadn't heard of Liu Ruyan, but he had heard of Li Guanghao, Second Young Master of the Li Family. The matter of grafting an A-level Martial Arts Divine Power had caused quite a stir in Pingcheng City.
Wealthy!
"Brother, you even know the girlfriend of the Second Young Master of the Li Family? If you can get the Second Young Master of the Li Family to be the guarantor, you could at least borrow tens of millions!"
"I'm not familiar with Li Guanghao."
Chen Yu had considered asking Li Guanghao to be his guarantor.
But Li Guanghao was, after all, a rich young master, not as easy to fool as Liu Ruyan.
If things went awry, it might not be worth the trouble.
With the college entrance examination approaching, it was better to be cautious!
"Is that so..." The sound of keyboard clacking came from Chen Zihao's end. "Brother, for the specific loan amount, let's discuss it at the company. I'll wait for you there."
"Okay."
Meanwhile, on Liu Ruyan's side.
She was calling Li Guanghao, and after explaining the whole story, Li Guanghao was delighted:
"That's a great idea! As long as Chen Yu is burdened with high-interest loans, he'll have no choice but to borrow money from us if he doesn't want to be beaten to death by debt collectors!"
Liu Ruyan nodded, "But we need to be careful not to let Chen Yu give his Martial Arts Divine Power to the loan company, otherwise all my efforts will be in vain."
"Ruyan, you've really worked hard..." Li Guanghao said from the bottom of his heart.
To help him replace his Martial Arts Divine Power, Liu Ruyan had put in a lot of effort and considered every plan to the extreme.
Chen Yu, that good-for-nothing,
What could he use to fight them?
Li Guanghao looked out the window.
Moonlight shone on the windowsill.
Today was truly a wonderful day... Soon,
Liu Ruyan arrived at the entrance of Kuai Kuai Dai Mortgage Loan Company and entered the company with Chen Yu.
The salesperson, Chen Zihao, placed the printed agreement on the table.
"Please review it, both of you."
Chen Yu looked at the agreement.
With Liu Ruyan's guarantee, the loan company could lend him 1 million yuan, with 900,000 received, and 1.3 million to be repaid a month later.
"If there are no problems, please sign below."
Chen Yu certainly had no problems and signed his name readily.
Liu Ruyan, however, had a big problem.
"I'm the guarantor?!" She looked at Chen Yu and questioned him:
"You're borrowing money, why should I be your guarantor?"
Chen Yu said with an air of certainty:
"If you don't guarantee me, I can't borrow the money, can I?"
"If I'm your guarantor for your loan, and you can't pay it back, won't the loan company come after me?" Liu Ruyan wasn't stupid; she couldn't sign this.
If Chen Yu reneged on the debt, wouldn't she be saddled with over 1 million in loans for nothing?
Chen Yu looked at Liu Ruyan with an unhappy expression and said, "You just said you wanted to pay back the money with me? Why are you unwilling to be a guarantor?"
"Fine, then I won't borrow this money. Whatever!"
Chen Yu turned to leave.
Liu Ruyan said unwillingly, "Wait a moment, just wait."
Chen Yu decisively returned to his seat, fiddling with the signing pen in his hand, looking at Liu Ruyan.
Liu Ruyan looked bewildered.
She was a bit confused at the moment; she really hadn't expected that a Body Cultivator couldn't independently borrow high-interest loans.
But if she abandoned the plan, the chance to strip Chen Yu of his Martial Arts Divine Power after he got into university would be slim.
She had to find a way.
Chen Yu pointed to the third clause in the small loan agreement.
It stated:
Only when the borrower dies, or is unable to repay the debt due to some force majeure, will the guarantor be responsible for repaying the debt.
Chen Yu spoke, "Do you think I'll die, or do you think with an SSS-level Martial Art Talent, I can't earn 1.3 million?"
Liu Ruyan heard this and pondered carefully.
Before Chen Yu's Martial Arts Divine Power was in her hands, she would absolutely not let Chen Yu die.
If Chen Yu didn't die, Chen Yu would be the primary debtor, and no one would ever demand repayment from her.
This was the first possibility!
And if Chen Yu died, it would mean his Martial Arts Divine Power was already in her hands.
At that time, her repaying the money as a guarantor would be equivalent to spending a few million to buy an SSS-level Martial Art Talent.
This was the second possibility!
The third possibility was, as Chen Yu said, with his SSS-level Martial Art Talent, could he not earn 1.3 million?
No matter how she thought about it, guaranteeing this loan for Chen Yu would not involve any risk for her.
Liu Ruyan's eyes lit up. Fearing Chen Yu would change his mind, she picked up the pen and decisively signed the agreement.
Chen Yu's expression was calm.
See? He said Liu Ruyan was easy to fool.
Signed.
Chen Zihao took the agreement and looked at Chen Yu with great admiration.
This brother was truly amazing!
With just two sentences, he made the girlfriend of Li Guanghao, Second Young Master of the Li Family, willingly take on a million-dollar debt!
If Li Guanghao knew about this, wouldn't his nose be crooked with anger?
Amazing, truly amazing!
With Liu Ruyan's endorsement, the loan was disbursed extremely quickly.
In just an hour, 900,000 yuan was transferred to Chen Yu's account.
For the first time, Chen Yu realized that making money could be so simple.
He was overjoyed, opened his map navigation, and was about to take Liu Ruyan to the next small loan company!
Seeing this,
Liu Ruyan's face immediately changed. She held up the agreement and stared at Chen Yu with a sneer:
"Chen Yu, you wouldn't think I would actually help you take on one loan after another, would you? I'm telling you, you'll never get away with it in this lifetime!"
Was her goal achieved, so she dropped her disguise?
Chen Yu was very disappointed but still tried to make an attempt:
"Really not taking out another loan?"
Liu Ruyan was so amused by Chen Yu that she laughed. She turned and walked away, boasting at the street corner:
"Chen Yu, how great would it have been if you had just agreed to my conditions when I went to your house? You could have lived a life of idleness and not had to worry about the future."
"But now, your future can only be lived in the shadow of violent debt collection. You won't even be able to be trash for life!"
】