The h-scenes might be a 5/5 because they are very well made 2D-CGs with animated transition, the turn based combat in the dungeon might be a 5/5, the random events that occur might be really fun, HOWEVER, this game is a solid 1/5 due to horrible game design.
Let me explain.
So, you have this debt that keeps accumulating, you are fighting tooth and nail to desperately farm up all the money, 3 payments with 5 days between each payment, you earn the trust of your girl companion and eventually you get to have wholesome erotic H-scenes with her in various places, you can farm her lust to increase her combat stats which is something new,
aaaaaaaaaaaaand after you pay the debt the game instantly ends with one of the good endings, while you reached roughly floor 8. "Here we will let you launch a new game with all of your stats saved and try to farm a better ending! You gotta try to achieve this really hard milestones, you will need to use trial and error with save scumming many times to find out how to get them. Go play though all the quests, events and so on all over again!" like, are you fucking serious??? the only endings which terminate your playthrough EARLY should be BAD ENDINGS where you get killed, or captured, or WORSE,
and don't get me started on the fact that, a GODDAMN PORN GAME from JAPANESE DEVS has NO GALLERY for the events you have seen/unlocked! WHY???
Ohhhh, and , how could I forget, the PERFORMANCE is SO TERRIBLE, I get a 35% CPU usage and I get 5 FRAMES PER SECOND? Manually clicking the movement or the select buttons doesn't work from the first, second, thrird try and MAYBE works on the 4-th? During H-scenes sometimes the body of your companion DOESN'T LOAD so you are staring at a blank image??? WHO THE FUCK TESTED THIS???
The translations are 98% present, and they are perfect, there are heavy punishments (H-scenes) for missing the payments, the other NPCs can be really evil bastards, and I couldn't even figure out how to prevent them from abusing the girl companion. (Since this is an H-game that is a plus)
I am so mad at the game design, I just can't think of anything else. Skip this garbage please.