Harry Potter: I Get Stronger by Taking Loans

Crossing into the Harry Potter world, Leonardo Grafton awakens the Loan System—a power that lets him claim extraordinary rewards immediately, no questions asked. There's just one catch: every debt must eventually be repaid. At Hogwarts, his classmates witness something unprecedented—a newcomer who isn't just more talented than them, but also more driven, more hardworking, and seemingly unstoppable. [Congratulations! You have obtained "Loki's Faceless." Loan repayment required: Achieve perfect mastery of Transfiguration.] Dumbledore observes with growing fascination: "Lacking neither natural talent nor tireless effort... Could Leonardo be the true future of the wizarding world? But the prophecy speaks of another..." [Congratulations! You have obtained "Complete Compendium of Dark Magic." Loan repayment required: Voldemort's head.] Voldemort, genuinely baffled: "What do you mean you owe a debt, so you need to borrow my head?" [Congratulations! You have obtained "Resurrection Potion Recipe." Loan repayment required: Create fifty entirely new potions.] Snape, rendered speechless: "..." In a world where prophecy and fate seem set in stone, one boy's mysterious system might just rewrite everything—one impossible loan repayment at a time. _______ Check out my Patreon for more chapters [email protected]/meowthtl