Chapter 2: How To Get Money? Loan Shark

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"Hey Sebastian, let's go to the model shop in the city after school tonight." Just after returning to the classroom, a short fat man with glasses said to him.

He is Kohta Hirano, who is a member of the protagonist group, a military enthusiast, and loves military models very much.

"Sorry, I've been a little busy the last few days." Sebastian smiled and politely rejected the other party.

For him, the most urgent task now is to find a way to save money quickly so that he can buy gold and exchange it for resources in the system. It is impossible to work part-time, no matter how much you work, you will never earn enough money. You can't get anything for yourself and you can't make that much money in just a few days. So how do you make money?

Thinking of this, Sebastian frowned slightly.

"What are you in a daze for?" The other girl looked at Sebastian who was distracted, and patted him on the shoulder lightly.

She has long amber hair. Rei Miyamoto is the heroine in the story, a member of the spear club, and has very strong strength.

In the past two years, he has established a relatively good relationship with the protagonist group, and they also regard him as a very important friend. Even in Saya's heart, Sebastian is going one step further than a friend.

"It's nothing, I'm a little tired from working recently." Sebastian shook his head and said with a random reason.

"Really, what do you do to make yourself so tired every day?" Saya pouted and said in a low voice, her eyes focused on Rei's hand that was on Sebastian's shoulder.

"I happen to have quite a bit of pocket money, I can lend you some and you can pay it back when you are stable later."

"Haha, no need." Although the girl's impression was a bit arrogant, Sebastian still felt warm in his heart after hearing the other party's words.

But even if the money is borrowed, a small amount cannot change the status quo. And it will be the end of the world in a few days, and there will be no chance to pay back the money by then. Wait... Borrow money? Payback?

When he was still worrying about how to get money quickly, Saya's words made him suddenly enlightened, and he had a clear direction in his heart. That is to borrow money.

A plan emerged in his mind, to borrow money from Loan Shark. Ordinary loans are not feasible, because he is underage now. The procedures are very troublesome, and he does not have many days left. Loan Shark can save these troubles. And since it will be the end of the world in a few days, then even if I borrow from them, no one will come to collect the debt.

So he is going to find local gangs to borrow money in the remaining few days. The interest in this kind of loan must be quite terrifying, but the end of the world will soon come, so he doesn't have to worry about repaying the money. You can use all means such as a loan to borrow at least more than one million yen first, and create the Barrack, so that you can alleviate the urgent need.

"You are such a genius, Saya-!" Sebastian smiled and praised the other.

Hearing Sebastian's sudden praise, Saya was a little dazed at first, then lowered her head, her cheeks flushed slightly.

"Why are you praising me all of a sudden? I, I must be a genius, you don't need to say it." Although Saya sounded like she was blaming him, there was a smile on her face that couldn't be hidden.

The next day, Sebastian took a long vacation. Through inquiring and other means, he found the local gangsters and asked them to borrow loans. Naturally, the local gangs did not refuse. On the contrary, they welcomed people like him to borrow money from them. A major source of income for these guys is loans.

Many students want to save face in school, so they spend money lavishly. And when the living expenses soon run out, they have to ask them to borrow money. The gang members can use this opportunity to earn interest, and they don't have to worry about the students not paying the money. As long as they make trouble with the other party's parents, the other party will want to use the money to settle the matter.

So when they saw Sebastian, the gang members were very happy.

"Hey, are you from Fujimi High School?" One of the gang members took a puff from his cigarette and looked at Sebastian with a smile.

"That's right." Sebastian quickly took out his student ID card and handed it to the other party.

Ordinary students would be nervous and scared when they saw gang members, but for him, it was nothing scary at all. Compared with the coming zombie crisis, these people are insignificant. They don't know that their lives may not be guaranteed after a few days, and money will soon become the least important thing in this world.

"You know how much interest you want this time!" A gang member said, "After that, every month, you have to repay 10% of the principal with interest. If you don't pay it off, it will have to add interest next month. Do you understand?"

"Yes." Sebastian nodded immediately without hesitation for even a second. But in his heart, he complained about the other party mercilessly.

10% monthly interest, what kind of bullsh*t is this?! Generally, the annual interest rate for bank loans does not exceed five percent, but these gang members demanded a ten percent

 monthly interest rate. For example, if you have a loan of 1,000 yen, you will only need to repay 50 yen. But it seems that if you borrow from a gang, you need to repay 100 yen a month. This is completely harming minors with weak social cognition.

Regardless, he doesn't have to worry about these problems. These people may not be able to save their lives when the time comes, and naturally, they will not come to ask for their debts.

"But you poor boy, how are you going to pay back the money you borrowed?" The gang members narrowed their eyes and asked Sebastian, after all, the other party agreed too quickly. Generally speaking, ordinary students will hesitate for a while when they hear such a high interest rate. But why did Sebastian answer so quickly at this time?

"If you don't have the money back to us by then, it will be a very distressing thing."

"Don't worry, it will be paid back." Sebastian patted his chest and said, "I work several part-time jobs every day, and I can pay them back."

"You should know what the consequences will be if you don't pay the money." The gang member moved his joints and made a crisp sound, his tone full of threats.

In this way, Sebastian quickly borrowed money, but because he was a student, he only got 100,000 yen in the end.