Benchmark Lending Rate

“Shit, why this guy!?” Of all the unique characters he could’ve transmigrated as, it had to be the bastard instructor. Vanitas Astrea. A third-rate early game boss, who was dismissed from the University after severe allegations, losing his teaching profession and ultimately, exiled from the Empire. “.....How did I even get here!?” Vanitas must now circumvent his way around this new world, confront his past, mend broken relationships, and prevent looming tragedies that would lead to his demise. —————————————— More illustrations in the server. Discord: https://discord.gg/zukKB2ppDp

Lucan Ironfist came from a noble family, but he wasn't the eldest son. When his brother became the head of the family and he turned 18, Lucan would become a commoner. A strange rule, but that's how it was. So Lucan began to think of a way to live a peaceful life. As he was considering this, his mother arranged for him to become a priest in another city. A priest didn't have to worry about food or housing, and all he had to do was watch over the temple and the statue. It was easy work, so he agreed and arrived at the city. One day, as he was watching over the temple and the statue, a poor-looking girl came to pray. When she prayed to God, light gathered around her body. Lucan was surprised and suddenly remembered the plot of a certain game. Originally, Lucan was from Earth and had traveled to this fantasy world. When he was on Earth, he played a game with a plot where a merchant family's illegitimate daughter, bullied by her family, awakened the power of a saint. Lucan decided to keep this secret and train the saint so that in the future, he could have an easy life and save himself from any crises. --- **Please do not rate the novel until you have read at least 20 chapters. This includes 5-star ratings. After reading 20 chapters, you are welcome to rate the novel as you see fit. However, please refrain from using any abusive language in your comments. Any comment containing abusive language will be deleted, even if it includes a 5-star rating. ** If there is something you do not like, please mention it. If it is something I can fix, I will do my best to address it. Similarly, if there is something you enjoy, please let me know. ** Feel free to ask questions, and I will do my best to answer them, provided they do not spoil the story.

A man suddenly finds himself inside the world of his favorite game, Brave Hearts, after a night of gaming... Mistaken for “Raye Alvah,” the ruffian second son of a duke, he faces hostility from strangers and is publicly disowned by the noble family! And as he pieces together his strange new reality, he realizes he’s living as a minor villain destined to be forgotten after being defeated by the protagonist! And now... "Fuck this shit, why did it happen to me?" He must adapt to survive in this world.

Feng Fan, a high school senior with dreams of becoming a successful Xianxia web novelist, never imagined his life would turn into the very story he aspired to write. Summoned to another world alongside his entire class, he finds himself thrust into the White Crow Sect, a place for cultivating immortality. However, his talent for Qi Cultivation is deemed the lowest possible. Just as despair threatens to consume him, Feng Fan discovers his unique cheat ability: Mind-Reading. Armed with this secret ability, he maneuvers through schemes, outwits his enemies, charms beauties, and ascends the heavens! “Feng Fan, do you dare to steal my legacy?” Third rate-villain 1 “Feng Fan, you bastard, you stole my wife! I’ll erase your clan from existence!” Third rate-villain 2 “Please, improve your plans, I can see your schemes from miles away!” Feng Fan. — Reviews, Golden Tickets, Power Stones, and Comments encourage me to write more. Thanks for all support!

You thought being reincarnated as an extra-side character was bad? Imagine being thrown into the body of a villain who is disowned by his own family and discarded by the author. Guess you have money though... -------- Magic Castle = 10 Chaps 100 Power Stones = 1 Chap 20 Golden Tickets = 1 Chap Cover made by Regressedgod dc: https://discord.gg/8VNNUp6rxb

Everyone transmigrated to the High Continent and became a Lord to participate in the conquest between Lords from all the other races. A few lucky Lords would receive Lord Talents. “Hah! My talent is the Knight’s Hall, a Diamond-Tier Lord Talent! My subjects can job change into a unique warrior class, the Combat Spirit Knight!” “My Lord Talent is the King of Abyss. I can summon demons to become my subjects!” “I have a lot of subjects who are scientists! I can create advanced technologies!” “My Talent allows me to cultivate! I’ll become a celestial!” Zhou Zhou received a Legendary-Tier Lord Talent — 100% drop rate! Not only could he see the things he would receive from an enemy, but his enemies would drop all of their loot when they were defeated. “Watch as I make you drop your Talents!”

[Congratulations, Terran survivor #99598, for activating the Universe Assistance System!] Althea, along with the remaining 1% of the population of their home planet, stared at the holographic screen in front of them in confusion. Their galaxy was apparently ending, and suddenly announcements from an alien system appeared in their heads, telling them they would be permanently transferred to another world. The survivors were all very depressed. First, they were forced to survive in a zombie apocalypse, and now they had to survive a new world altogether? It just so happened that Althea was one of the few people who got the Lord Token, the ticket to controlling a territory---a supposed safe haven for her people. Althea looked at her very large stomach and sighed at an unknown future. Would she be able to build a good home for her children and fellowmen? And... would she and her husband find each other again after this disaster? #Apocalypse, #Josei, #Romance, #BeautifulFL, #HandsomeML, #PowerCouple, #Infrastructure, #MagicSpace, #KingdomBuilding, #Adventure, #Pregnancy, #Game Elements, #System #LitRPG ____ Now an E-BOOK~! Please rate, ne? WILL HELP US OUT SOOO MUCHH~! Book 1: AMAZON: https://a.co/d/hy7Rocr GOODREADS: https://www.goodreads.com/book/show/203724162-after-surviving-the-apocalypse-i-built-a-city-in-another-world (Latest) Book 7 Amazon link: https://a.co/d/bceWSq0 It would be awesome to get your ratings in Goodreads, as well! https://www.goodreads.com/book/show/210710079-after-surviving-the-apocalypse-i-built-a-city-in-another-world if you can, please rate the succeeding books as well. Thank you soooo muchhhh Alterans! ____ READERS LOUNGE NOW OPEN~! (Readers ONLY please!) https://discord.gg/w8qKw2yaNK

"You will fall," Avalon has been a down to earth kind of woman, but as life went on she got a job with an agency looking into the crime rate and the Mafia that running rampant, She got up the ladder. Happy at where she is, going to work and then coming back to her apartment, but there is one mission that takes a toll on her. She is sent to infiltrate the mafia without getting killed in the process, "Hey Damien are you..." "Isn't she a part of them?" In the mission, she got shot and abandoned. But the strangers that were there helped her and seemed to be on her side of things,

In the world where Humans and Monster's form a bond and fight together, the world where both Evolve together to get stronger. Walk with Micheal as he starts his adventures with his Silver Sparrow, overcomes countless obstacle and adversaries to fulfill his greatest Dreams. The initial and new chapters getting edited everyday. Release Rate: 14 Ch/Week+ The cover is not mine. I couldn't track down the original creator but if the creator is out there, message me if you want me to take it down or give credit

What do the words Third-Rate Villain mean? Doesn't every human being possess their own background story? Just because a game hadn't explored one's background story, does it mean those characters are irrelevant? In a world where video games come to life, Astron Natusalune is introduced as a seemingly insignificant character—a third-rate villain with a minor role. However, this ordinary facade belies a haunting past that has shaped Astron into the vengeful soul he has become. Someone who would do everything for his vengeance. What will occur if Astron's soul combines with one from Earth? Will he relinquish his position as a third-rate villain, or will he forge a new path? Driven by a singular purpose—to avenge his sister's tragic death and bring justice to a cruel world—Astron embarks on a transformative journey. Witness the journey of the Astron as the young boy experiences a profound shift in his own values as he witnesses firsthand the consequences of unchecked vengeance and the true complexities of morality. -----------------------------------0------------------------------------ Chapter length 1750-2500 At least one chapter a day. You can check my discord if you want. You will be able to see the illustrations here and engage in a conversation with me if I am available. https://discord.gg/BQRMhDxZr8

The apocalypse arrived, and Irving was betrayed and killed by his own girlfriend. After his rebirth, he was chosen by the Will of the Blue Star to be an internal beta tester of the Shelter Game, starting with a [Tenfold Drop Rate] and becoming a [Necromancer]! Ferocious and brutal exotic beasts are all tamed by him, gradually forming a powerful "Exotic Beast Legion" under his command! Building sanctuaries, hoarding supplies, upgrading outer walls, setting traps... Constructing the most powerful fortress in the apocalypse! "Since I have been given a second life, I will trample those who've betrayed me once under my feet!" ... When the Dark Lord descended, Irving's shelter had become the strongest on the Blue Star! "You evil creatures, dare to covet Blue Star?" "Come on! Let me show you what true despair is..." "Remember, from now on, Blue Star is under my protection! Got it?"

In this novel, Jack, once the top student of Greenstone City, is kidnapped by James, the son of a wealthy businessman, then gouge out Jack's eyes, then throws Jack into a river, leaving him for dead. By his will, Jack survives and, through mysterious circumstances, gains a new pair of eyes that can see through anything, even women's clothes. With his newfound ability, Jack embarks on a journey of revenge, creating harem of beautiful women. ---- ** Please do not rate the novel until you have read at least 20 chapters. This includes 5-star ratings. After reading 20 chapters, you are welcome to rate the novel as you see fit. However, please refrain from using any abusive language in your comments. Any comment containing abusive language will be deleted, even if it includes a 5-star rating. ** If there is something you do not like, please mention it. If it is something I can fix, I will do my best to address it. Similarly, if there is something you enjoy, please let me know. ** Feel free to ask questions, and I will do my best to answer them, provided they do not spoil the story.

When I opened my eyes, I found myself face to face with Darius Thorne, the main character of [Arcanus Academy], who was looking at me with disdain. Many questions raced through my mind. What is happening? Is this a dream? Why won't he stop yelling? Am I dead? Does he have something stuck in his teeth? Have I somehow entered the world of my favorite game, like in those Web Novels I read so often? I opened my mouth, about to ask one of the many questions that had come to mind upon realizing the huge mess I was in. What I was about to say would be my first words in this new world. I had to be careful; the slightest mistake could worsen my current situation, which, judging by how things looked, didn’t seem good at all. "Can you get that thing out of your teeth? It's distracting me." Everyone nearby fell silent and stared at me until a burst of laughter erupted. Darius covered his mouth, clearly embarrassed. 'Damn, I already messed it up.' ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ ♠ ♣ - English is not my native language

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Sandra Joan Timothy lives in Brookville and after a while, there was an increased rate in criminality and children were getting kidnapped faster than anyone could say 'Jack Robinson!' She soon finds out how all these connects with the wierd, abandoned house next door and what she must do, together with her friends to put an end to it. Join Sandra, Antony, Raymond and Melissa as they unravel the mystery of the wierd house next door and how it affects the neighborhood as a whole. As Christians, what would they do? Join her in this exciting adventure as she documents everything in her diary. What would they find at the end of their adventure and would they be able to help?

Khalil, a freshman student with little gaming experience, wakes up in Celestial Beasts Saga—the unforgiving VR game he never got to play. Stranded as a powerless side character, his only advantage is an unbreakable bond with Guardian of Light, the realm’s rarest light beast and his Tamer Talent which allows him to understand every beast. With a near-impossible success rate of 0.00001%, Khalil must navigate a brutal world filled with merciless trials and cryptic figures, including the infamous villainess, the “Cursed Tamer.” But as alliances and bonds form and mysteries deepen, he realizes the key to survival might lie not in strength, but in defying the rules entirely. The odds are heavily stacked against him, but Khalil isn’t playing to win. He’s playing to survive and save the mysterious doomed game world.

I never thought I'd be writing this testimony, but after experiencing the unthinkable, I feel compelled to share my story with the world. My name is Steve Bierman, and I'm a cryptocurrency enthusiast who's been involved in the space since 2017. I've seen my fair share of ups and downs, but nothing could have prepared me for the day I fell victim to a sophisticated botnet attack. It was a typical Wednesday morning when I received an email that seemed legitimate at first glance. The sender claimed to be from a reputable cryptocurrency exchange, informing me of a security breach and urging me to click on a link to update my account information. I was in a rush, and my guard was down. Before I knew it, I had clicked on the link, and my entire digital life was turned upside down. The next few hours were a blur. I watched in horror as my cryptocurrency wallets were drained, and my accounts were taken over. I felt like I was living in a nightmare, with no way out. The attackers were relentless, using advanced tactics to evade detection and cover their tracks. I was left with nothing but a deep sense of despair and a dwindling hope that I would ever recover my stolen assets. That's when I stumbled upon Cyber Constable Intelligence, a team of experts who specialize in tracking down and recovering stolen cryptocurrencies. I was skeptical at first, but desperation drove me to reach out to them. From the initial consultation to the final resolution, the team at Cyber Constable Intelligence were professional, empathetic, and reassuring. Their approach was methodical and thorough, involving a series of complex procedures to trace the stolen funds and identify the perpetrators. They worked tirelessly behind the scenes, using their extensive network of contacts and cutting-edge tools to stay one step ahead of the attackers. Throughout the process, they kept me informed every step of the way, providing regular updates and explanations that helped me understand the intricacies of their work. the waiting game was agonizing, but I was determined to see it through. And then, the moment of truth arrived. The team at Cyber Constable Intelligence had successfully tracked down the stolen funds and were working with law enforcement agencies to bring the perpetrators to justice. I was overwhelmed with emotion as I watched my cryptocurrencies being transferred back into my wallets, a testament to the team's unwavering dedication and expertise. today, I'm grateful to be back in control of my digital assets, thanks to the incredible work of Cyber Constable Intelligence. Their expertise and professionalism have given me a second chance, and I'm determined to spread the word about their remarkable services. If you're a victim of cryptocurrency theft, don't lose hope. Reach out to Cyber Constable Intelligence , and let their team of experts work their magic. Remember, you're not alone, and there is a way to recover what's rightfully yours. Here's Their info below What Sapp Info: 1. (2. 5.  2.  ) 3.  7.  8.  (7. 6. 1. 1.) Email Info: cyberconstable@coolsite net Website Info : www. cyber constable intelligence   com

Adrian is a Talented Cultivator. He is son of a Duke, grandson of the reigning emperor. He is also a transmigrator which means he is destined to be a protagonist. Wait.. but what about that time traveller who knows which opportunity to always grab. What about that cultivator who was trash but is now beating all geniuses and he has a mysterious ring. There are also murmurs about a reincarnated immortal. Now you are just cheating.. well atleast Adrian has a third rate system

Kyle suddenly wakes up in another world only to find out that he had been trasnmigtated into the very Novel he was about to finish. He transmigrated not into the body of the hero or villain not even a third rate villain that would usually appear twice in the whole novel. Rather he was in the body of an extra that wasn't even mentioned at all, an extra that was labeled talentless and useless

I invested in Hash Fund mining after a friend's referral, which increased my mining rate. I staked more with a higher package, seeing great returns initially. However, the website crashed when I tried to withdraw funds, revealing it was a fake company. I felt lost until I found Crypto Pandemic Hunter, who helped trace and recover much of my stolen money. I recommend their services to other victims of cybercrime.

It is a short story about a guy who enrolled on a school with an absurd vision and mission A school about making a harem and increasing the population of Japan due to the low birth rate: this story focuses on a one-to-one arc but eventually, the girls will know each other.

To fulfill a prophecy in hope of saving his clan, Jaelan sets out on a journey North. His thoughts are mixed as he races to reach the cave hidden in the mountain of seven peaks before the allotted time runs out. However, on his quest he runs into a warrior, who might just be the answer to what he’s looking for. NC-17 rating due to sexual content Join our discord: https://discord.gg/2A78sSfn

This is story of teenage girl Sara Smith who lost her parents , and how her life took a turn when she new her only brother , Kai on whom she relied on and lived all her life with, wasn't her biological brother. The story is all about the bond they share even when they aren't related by blood. (plz rate this book for others to know and feel free to comment, it will help me to improve)

Souta Akihito, a teenage boy who once lived as a gamer, died from a horrible event. As he opened his eyes, behold a priest lending his hand to the young boy. The young boy without hesitation, thinking the priest was legitimately going to send him to a place where he won't be a virgin, turned out wrong.

A deleted cut scene between Akira and Hinata during their one night at a mountain shrine. After they had escaped the secret police. This is a spicy rated oneshot.

In the heart of a forgotten realm, nestled between barren hills and tangled forests, lay the third-rate village of Kasru. A modest settlement plagued by monsters and folklore, it was a place of whispered tales and silenced screams. The villagers, though hearty and resilient, often hurried through their days, ever watchful for the shadows that lurked at the edges of their lives.

1. Disclaimer: Zero to the strongest villain(setting) 2. Disclaimer: This is not the story where the main character gets Transmits into a novel (he is a villain cause of his action, so there are no hero or main female lead characters like other villain novels. so keep that in mind before you start.) 3. Disclaimer: no harem, there is a single female lead. .............................. After the death of Edwin Bald, one of the greatest villains in Eldora (a world of magic and fantasy creatures) the faceless god gave him an unexpected chance. Even though Edwin was a lich who had broken many laws of nature and committed countless sins, the god offered to make him human again, but not in Eldora. This time, he would be reborn on modern Earth. Additionally, Edwin could choose any blessings (trait/ talent) from the list to help him in his new life. Unexpected to him, Edwin Bald woke up in the body of Asuka Volford, a fatty, trash, molester, who was even cuckolded by his girlfriend, making him commit suicide. Also born to a noble family. The story follows Edwin, and how he step by step become strong, creating his own legend, and ultimately becoming the leader of Earth's biggest criminal syndicate which aims to conquer the entire world, from mere third-rate villain despised by the whole world

"I’m sorry, Supreme Sword of the Roaming Martial Artists. Your talent is too dangerous." While wandering as a lone swordsman, he sought to elevate his third-rate family into a distinguished clan but was ambushed in the shadows. That’s how it ended—or so he thought. "What… why am I eight years old?" A third-rate family, yet unmatched talent. Given another chance at life, this time, he’s determined to turn his family into the most powerful clan under heaven! Original Korean Novel: 삼류무가 천하제일인 Author: 유리손

This story is a bold exploration of passion, power, and vulnerability. With intense encounters and raw emotions, it delves into the complexities of love and desire in a way that keeps you hooked from start to finish. NOTE: This book is rated 18+ and readers below 18 are not encouraged to read.