God of Life Chapter 7: Get the first money!

After finishing his meal, taking a bath, and feeling the onset of tiredness, Wang Yan found himself exhausted, overheated, and hungry, sticking out his tongue.

In the summer, navigating through life was truly challenging.

Life would be so much easier with a car, air conditioning gently blowing, and tasks completed comfortably. Why bother with the current struggles?

Well, once he saved enough money, Wang Yan decided he must buy a car!

He thought the Audi A4L looked appealing—stylish and reasonably priced. Driving it on the university campus would surely make him popular!

However, Wang Yan had never seen any luxury cars before. Being a village-born individual in the city made him essentially a rural baby until the demolition happened.

Even if he was fortunate, he would still be displaced.

Among the models that came to pick up children from school at the campus entrance, Wang Yan appreciated the A4L the most. It was, in his opinion, a genuinely good car based on appearance alone.

YY had driven the A4L for a while, and Wang Yan gradually dozed off.

Though he had gone to bed early the previous night, he tossed and turned, unable to sleep well. Waking up early that morning, he had continued to toss and turn. It was truly exhausting.

In his dream, the sky was woven with light, forming a palace. The beauty of the palace was ethereal, with a throne adorned with precious wine and surrounded by merchants from various countries. They waved various novelties, trying to win the king's favor with a smile.

Ma Yun: "King, please look at the treasure I've found!"

Ma Huateng: "King, do you want LOL?"

Musk: "Only my big rocket is worthy of the king!"

Gates: "Take away your rocket! Microsoft's state is the most enjoyable; too hard will hurt!"

Pin Ru: "King, wear our clothes, don't be afraid of being hard!"

...

Wang Yan woke up from this chaotic dream and was surprised to find that his pants had actually set up a tent.

What did that mean?

Protesting every morning wasn't enough; was it time to prepare for an uprising?!

Can't it be more patient?

With no one on the shooting list and the gun empty, it didn't meet the status of a protest!

It was easy to talk and discuss to appease the rebels. The elder brother who got the card came to call.

"Done? Okay, I'll come right away!"

...

The two simple tasks earned Wang Yan 300 yuan.

Stamping the carrot seal on the discarded documents from the Education Bureau went smoothly. The two seals were nearly identical, and the craftsmanship was quite good.

Very good, it was worth it!

Regarding the payment receipt, Wang Yan printed 30 copies at once.

Returning straight home, he printed 30 copies of the blank income certificate in a fixed format at the village entrance photocopying agency. He filled them in one by one and stamped them.

With the checklist complete, Wang Yan felt confident.

ID card obtained √

Bank card obtained √

Work unit obtained √

Proof of income obtained √

Office fixed phone obtained √

House charge bill obtained √

Mobile phone number used for more than half a year obtained √

Important contacts obtained √

Only one difference remained: personal credit report.

Wang Yan used the new mobile phone number to log in to the People's Bank Credit Reference Center, registered as Liu Dapeng, checked personal credit information, and saved the PDF.

Equipped with all the necessary documents, Wang Yan was brimming with enthusiasm as he headed to Financial Street.

Without a rented house yet, he couldn't go to Huhai. Wang Yan casually walked into the first store on the right side of the road, a company named Changfu. The first floor was not even renovated, and several empty rooms were separated into waiting areas. Only a lonely desk stood in front of the stairs.

Wang Yan stated, "I want a loan," and the front desk quickly called down a marketing representative.

A click-clack of high-heeled shoes echoed as a young girl, even younger than Wang Yan, came down. Wang Yan, with rough black skin and stubborn stubble, appeared to be in his early twenties. The girl, who did not deliberately smooth her appearance, addressed him as "Big Brother."

Wang Yan smiled and went upstairs with her.

Before starting the paperwork, the girl asked if they needed to check the housing situation. Wang Yan insisted on applying for only 40,000 yuan.

He explained, "I don't want more money, but I have a bigger plan."

Wang Yan had learned from Xi Zige that small loan companies differentiated significantly between loans above and below 50,000 yuan. The review process for amounts exceeding 50,000 yuan was more detailed, and the rejection rate was as high as 50%.

For a 40,000 yuan application, assuming good credit, the approval rate was 90%.

His plan was to visit 20 small loan companies, each time applying for 40,000 yuan. The probability of approval was high, and the total would amount to 720,000 yuan.

Wang Yan contemplated, "What's the difference?"

Moreover, the attention given to debts below 50,000 yuan was much lower. He planned to return the money for four months, discard the mobile phone card and bank card, and move on.

Wang Yan concluded, "How much I owe in principal and interest, I'll donate it all to the orphanage. These blood-sucking companies spawned by our deformed society won't make me feel guilty at all."

He needed to return money for four months to avoid causing any trouble for Dapeng. Although everything was fake except the ID number, it felt quite helpless.

Therefore, once it could be made public, Wang Yan planned to prepare another 1 million for Brother Dapeng, sufficient for a sale and a little compensation.

Continuing the loan application process, Wang Yan filled out the form smoothly. For the loan purpose, he mentioned decoration.

Detailing the plan further, he noted that the loan term would be 24 months.

The final piece of the puzzle was obtaining a personal credit report. Wang Yan logged in to the People's Bank Credit Reference Center, checked his credit information under the name Liu Dapeng, and saved the PDF.

Armed with the complete set of documents, Wang Yan headed to Financial Street. He was a small figure in the vast industry of small loans, where new companies opened and old ones closed every day.

Thinking about the number of companies he could potentially approach, Wang Yan wondered, "50 companies? 100 companies?" Each day, a new company opened its doors, and each day an old one shut down—a testament to the vigorous yet ruthless nature of the industry.

With these thoughts in mind, Wang Yan slept soundly throughout the night.

Waking up the next day, Wang Yan changed into new clothes, put on a cap, and slung a donkey briefcase he had bought at the night market the previous night.

Ready to continue the loan journey, Wang Yan thought, "Once your family's money comes in, I'll buy a genuine bag, and I'd like to thank you in advance for that!"

In the morning, verification calls came in one after another, beginning with 010, 021, and so on. Changfu's risk control team raised a question

: "Sir, why didn't anyone answer your office phone?"

Wang Yan calmly replied, "My colleagues are not here during the summer vacation in the bureau. If you need it, I can go back in the afternoon and give you an office phone to respond."

The customer service didn't push further and politely said goodbye.

In the afternoon, while leading a manager to verify the office premises, the Chang Fu Company salesman called excitedly.

"Sir, your loan has been approved! You can come to sign the contract!"

Wang Yan dismissed the manager quietly, hailed a taxi, and rushed to Financial Street.

The signing process was straightforward. In just 10 minutes, Wang Yan stood in front of the China Construction Bank cash machine and entered the password silently.

Balance: 40,000.00 yuan!

His first small loan had been successfully acquired!