Urban Cultivation with a Demonic System-Chapter 253 - 214: With a Snap of My Fingers, Loan Aid Is Destroyed

"Bam—"

With a loud crash, the already dilapidated door was kicked open.

A young man in his twenties with a flashy blonde hair swaggered into the room in a suit.

"Time to pay up! Where are you!"

The blonde-haired young man shouted with his hands in his pockets, then looked over at a middle-aged man in the corner of the low-rent apartment.

Seeing the blonde-haired young man look over, the middle-aged man's body trembled, his numb expression turned to fear, and then to flattery:

"De... Deacon Gao!"

The scruffy, bearded middle-aged man crawled to the young man like a dog, grabbing his pant leg and lamenting:

"Deacon Gao, please give me a few more days..."

"It would be best if you could lend me a little more, this time I can definitely turn things around."

The blonde-haired young man, referred to as Deacon Gao, put on a stern face and kicked the middle-aged man away, spitting harshly:

"I've already given you extensions a few times!"

"You're not looking for a proper job, always dreaming about winning the lottery or gambling, hoping for some miracle turnaround."

"For a lowlife like you, even if I'm allowed to lend you money from above, I wouldn't waste a dime on you, you dog!"

With that, Deacon Gao kicked the middle-aged man a few more times:

"Get yourself a job quickly, or next time I'll break your legs and have you beg on the streets."

After the thrashing, Deacon Gao strutted to the door, casually hooked it with his foot, and slammed the door of the low-rent apartment shut.

Deacon Gao didn't get any money this trip, but he wasn't in a bad mood.

In fact, he felt rather refreshed.

Being able to beat and scold someone recklessly without worrying about them reporting it was quite a relief.

He'd rather have that middle-aged man never pay back, forever serving as his stress-relief toy.

"But there are still bad debt quotas in the gang, that gambling addict has to pay eventually."

"If not, this steward position I worked hard to climb to might slip away again."

Walking down the street, Deacon Gao smirked coldly:

"Next time, I'll threaten him with his daughter's safety... though I won't really do anything to her, it should scare the gambling addict enough."

Just as he was plotting how to bully his debtor next, an elderly man on the roadside caught his attention.

The old man appeared to be over a hundred years old, standing at a bank counter, speaking anxiously to the staff.

After listening for a while, the staff shook their heads repeatedly, and the old man, with a thin stack of banknotes, dejectedly walked out.

Having long been immersed in the small loan industry, Deacon Gao immediately smelled a business opportunity.

"This old man urgently needs money?"

A gleam flashed in Deacon Gao's eyes, and he warmly approached, asking with concern:

"Sir, you seem worried, what's the matter?"

The old man seemed to be looking for someone to confide in, and said in a wavering tone:

"The college entrance exams are coming up, my good grandson's athletic score isn't very good, I want to buy him some Body Refining Elixir, but the money in my account isn't enough."

Saying this, the old man muttered to himself:

"What if my good grandson can't get into college..."

Deacon Gao realized the situation, but kept a straight face as he said:

"Sir, your concern is justified, the college entrance exam is a turning point in a child's life!"

"Whether he can get into a good university might just depend on these pills, this is not the time to skimp on money."

The old man said sadly:

"But I have no money, the bank thinks I'm too old and won't give me a loan."

"And my son thinks I'm overthinking, even though he has the money, he won't spend it on my good grandson! How can there be such a heartless father in the world!"

Hearing this, Deacon Gao felt a thrill of excitement.

This is a quality customer!

He thought to himself, the old man is likely worrying for nothing.

His grandson's academics are probably normal, and the family doesn't lack money, yet he insists on buying Body Refining Medicine for his grandson.

If he could entice this old man to take a loan, while the old man might not be able to repay, his children certainly could!

Deacon Gao had already thought about how to go to the old man's son to collect the debt.

"Sir, you don't want your son's college entrance exam to be affected by debts, do you?"

This money is definitely collectible.

Deacon Gao immediately persuaded:

"Sir, you're in luck!"

"I know of a loan platform with fairly low interest rates, if you're in urgent need of money, I can help introduce you."

Hearing this, the old man asked eagerly:

"Low interest rates? What exactly are the rates?"

Deacon Gao smiled slightly and said:

"The annual interest rate is no more than twenty percent, and on a monthly basis, it's around thirty percent."

"Ah! Isn't that a usurious loan?"

The old man immediately became alert.

Deacon Gao held the old man's sleeve and said in a lowered voice:

"So what if it's a usurious loan? Doesn't the slight increase in interest pale in comparison to your grandson's bright future?"

"Let me break it down for you in detail, sir."

"Let's assume you need to borrow a hundred thousand yuan, even if the bank gave you a loan, the interest would be at least ten to thirteen percent, which is indeed marginally more favorable than a usurious loan."

"But the problem is, the bank isn't lending to you, while if you borrow from our platform, what's the difference between higher interest and an agency fee?"

"It's just a few percentage points, calculated at an annual rate of twenty percent, that's just ten yuan more a day, hardly much more!"

With all kinds of convoluted rhetoric, Deacon Gao successfully confused the old man.