HP: Talented, Powerful, Yet in Debt
by DarkDevil1
Summary
Reincarnating into the world of Harry Potter, Lucien Grafton thought he would grow up as the heir to a wealthy family. But the moment his Hogwarts letter arrived, his Loan System awakened.
Advance rewards now, pay the price later. Simple, right?
[Congratulations to the host for obtaining "Loki’s Mask" (Black-green shifting mask of Loki).]
Repayment Period: 365 days】
Reward:
【Loan Content: Acquire the magical talent of Loki, the God of Trickery and Change】
【White Magic: S】
【Dark Arts: SS+】
【Defense: S+】
【Transfiguration: SSS】
【Potion: A】
【Alchemy: A+】
【magic Power: SS】
Repayment: Perfectly master Transfiguration within one year.
"Umm.. with this SSS-rank talent, I can master Transfiguration within a year.. pretty simple."
[Congratulations to the host for obtaining a Qilin Egg.]
Reward: A divine beast companion.
Repayment: Refine a Potion using the Philosopher’s Stone.
"Uhh.. a Potion using the Philosopher’s Stone..? Well, I guess I can do that.."
[Congratulations to the host for obtaining the Dark Magic Encyclopedia.]
Repayment: Voldemort’s head.
“…Wait—what?!”
Voldemort: “What do you mean you owe a debt and need to borrow my head?!”
With every loan, Lucien gains powers beyond imagination, becoming Over f#cking Powered far too quickly—but also debts that could shake the Wizarding World itself.
McGonagall sees him as a once-in-a-century Transfiguration prodigy.
Dumbledore frowns at his “dangerous potential.”
Hermione stares in shock as the new boy buys out half of Flourish & Blotts.
And Lucien himself? He just wants to clear his debts before they pile up too high.
After all… what’s scarier than Voldemort?
A System that won’t stop lending!!!