The weakest martial artist? One punch and he's leveled up a whole realm!

"How do I apply for a loan?"

Ye Xiao's desire for the Martial Strengthening Pill prompted him to quickly ask Yao Lao a question.

The old doctor pushed up his very old reading glasses.

"It depends on how much you want to borrow and what you want to buy."

Ye Xiao said, "I want 100 portions of each of all quality Strengthening Pills!"

Upon hearing this, the old doctor gave a cold snort.

"You have quite an appetite."

"However, as long as you can swallow it, that's your skill."

Obviously.

What surprised Cai Shi just now.

The old doctor has also noticed this.

And that's what interests him too.

The boy in front of me.

He seems to be a pretty perfect human test subject.

The old doctor responded calmly.

"You can get a loan."

"100 medium-grade, high-grade, and special-grade Martial Enhancement Pills."

The price list is...

[Strengthening Martial Pill (Medium). Effect: Moderately enhances punching power. Required for exchange: 5 credits.]

【Strengthening Martial Pill (High). Effect: Greatly enhances fist power. Exchange Requirement: 8 credits.】

【Strengthening Martial Pill (Special). Effect: Greatly enhances fist power. Exchange Requirement: 12 Credits.】

After the professor calculated the credits, he understood.

He then said, "2500 points."

Have you thought this through?

Are you ready to apply for a loan?

Without saying a word, Ye Xiao nodded directly.

"loan!"

For him, the best way to get the Strong Martial Pill ahead of time is through a loan.

The goal is to improve his strength as soon as possible.

This will also make it easier for him to earn academic credits later.

Since we'll have to get our hands on the Martial Enhancement Pill sooner or later, it's definitely more worthwhile to do it sooner rather than later.

The old doctor stared at Ye Xiao, who was resolute in his expression.

He nodded: "Okay, then I'll lend it to you."

"However, the interest is calculated monthly at 20% each month."

"You only have one repayment option: pay off the principal and interest in one lump sum."

Upon hearing this, Ye Xiao's expression froze.

20% interest?

It's still on a monthly basis.

This is outrageous loan sharking!

Ye Xiao quickly asked, "What if I can't get 3000 points to pay you back next month?"

The old doctor remained silent.

Cai Shi, standing to the side, said to Ye Xiao with a dissuading expression.

"If you can't pay it back next month, you'll have to wait until the month after next."

"It's just... in the form of compound interest."

Ye Xiao's eyes widened immediately.

"Does that mean that when I make my payment next month, I'll have to pay an additional 20% interest on top of the 3000 points I've accumulated?"

"So that means I'll have to pay back 3600 points the month after next?"

Cai Shi nodded, his face still full of dissuasion.

"Your calculation is correct."

Ye Xiao was dumbfounded.

Why does this old herbalist seem so mean, stingy, and heartless?

But why didn't Cai Shi speak up and stop it?

Rather, it's because Cai Shi has come to know Yao Lao through his many years of experience.

He knew very well that Yao Lao was a man who, on the surface, appeared harsh, stingy, profit-driven, and unapproachable.

But in reality, he is a person who values ​​relationships and has a sharp tongue but a soft heart.

Cai Shi was also very curious about Yao Lao, who had never done anything like this before.

Suddenly they said they could lend money to Ye Xiao.

What exactly is the old medicine master up to?

"If you lack confidence in yourself and are afraid to take out a loan, then forget it."

After the old doctor finished speaking, he turned around, intending to go back to sleep.

And just a few steps away from where the old doctor had walked out.

Ye Xiao's voice rang out.

"etc!"

The old doctor stopped at that moment.

He didn't turn around.

Ye Xiao stared at Yao Lao's retreating figure and said, "I'll take it!"

"However, I have one condition!"

Upon hearing this, a rare smile appeared on the face of the old doctor.

They seemed to find the boy quite interesting.

As someone who needs to borrow money.

They actually have to impose conditions on the lender?

"you say."

The old doctor stared intently at Ye Xiao.

Ye Xiao seemed to have made up his mind.

He gritted his teeth and said, "Since I'm going to take out a loan, I'll take out the entire amount at once!"

"I want the Martial Strengthening Pill!"

"Then I saw that there were also Mind-Concentrating Pills and Nirvana Pills here!"

"We need 100 of each of the four grades of these two types of pills!"

These words were spoken.

Even Cai Shi was startled.

Ye Xiao is really asking for the moon!

This scene has a distinctly rebellious feel to it!

The old apothecary was eyeing Ye Xiao's interest.

Ye Xiao, however, was eyeing Yao Lao's principal.

"That kid!"

Cai Shi smiled inwardly.

"Borrowing so many pills at once, isn't that putting a strain on Elder Yao?"

"If Elder Yao says he won't lend money, wouldn't that make it seem like he doesn't have enough capital?"

"If Yao Lao lends the money, then Ye Xiao will be completely in debt, becoming a big shot. These pills are incredibly valuable!"

"What if Ye Xiao is just looking for a one-off deal and doesn't repay the loan?"

Cai Shi believed that Yao Lao must have thought of the same consequences as him.

As Ye Xiao turned the tables and put pressure on the old man.

The old doctor suddenly laughed.

"Okay, very good."

"You're putting pressure on me now."

"You have some guts."

He looked at the amount required to exchange for the relevant pills.

[Mind-Concentrating Pill (Small). Effect: Slightly increases mental strength. Required for exchange: 8 credits.]

[Concentration Pill (Medium). Effect: Moderately increases spirit. Required for exchange: 12 credits.]

[Concentration Pill (High). Effect: Greatly enhances spirit. Exchange Requirement: 15 credits.]

[Concentration Pill (Special). Effect: Greatly enhances spirit. Exchange Requirement: 20 credits.]

[Nirvana Pill (Small). Effect: Enters a state of Nirvana, with minor evolution of flesh and bones. Required for exchange: 12 credits.]

[Nirvana Pill (Medium). Effect: Enters a state of Nirvana, with moderate evolution of flesh and bones. Required for exchange: 16 credits.]

[Nirvana Pill (High). Effect: Enters a state of Nirvana, greatly evolving the flesh and bones. Required for exchange: 20 credits.]

[Nirvana Pill (Special). Effect: Enters a state of Nirvana, greatly enhancing the evolution of flesh and bones. Required for exchange: 25 credits.]

Then he waved his right hand.

A blank sheet of paper and an ink pen landed in his hands.

As his right hand flew about.

The relevant loan details were listed above.

And this time.

Cai Shi leaned close to Ye Xiao's ear and reminded him.

"Ye Xiao, you have a good eye. You've chosen the things with the highest credit rates."

"But you'd better think it through."

Earning these credits isn't an easy task.

"And they have to earn that much within a month!"

After listening to Cai Shi's reminder, Ye Xiao...

He knew what was going on, but remained silent on the surface.

Until the old doctor finished writing.

Then a loan slip was thrown in front of him.

Ye Xiao reached out and grabbed it.

He looked directly at the final loan amount.

"15300 credits!"

It was written prominently below.

"20% monthly interest!"

"If the debt cannot be repaid within three months, it will be considered as an inability to repay, and the debt will be repaid by physical labor, requiring the signing of a contract of servitude."

See the last line of text.

Ye Xiao was completely dumbfounded.

The old doctor actually added more conditions?

If he can't repay the debt in three months, will he be forced to sell himself into servitude to the Pharmacist?