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... overdraft a certain number of years and gain the corresponding cultivation during this period, and also get Spirit Stones rewarded by the Time Wheel Zen Sect.

The downside is also obvious: you have to repay according to the borrowed years, and with interest, the repayment is much more than the initial loan. Even considering the lowest cultivation efficiency, it’s quite unprofitable.

So when people hear the words ’Time Loan,’ they instinctively choose to stay away.

Howeve ...

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