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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!!!