The Loan I Ended Up Paying in My Bed

I’m going to tell you about my first time with a man like him, because even today I still struggle to believe how far I went. When it happened, I was twenty-nine and he was thirty-seven. We met at the shop where I worked, a small place that he started coming to almost every day after he moved into the neighborhood.

I’ll call him Damián. He was from the coast like me, a tall Black man, nearly six and a half feet, with a kind face and an easy smile. But what made everyone turn their heads was his body: broad shoulders, defined arms, a T-shirt always on the verge of tearing. He worked as a personal trainer at a gym near the square.

From the very first day he was attentive with me. Within a few weeks he was openly flirting. I’m not a stunning woman, but I’m from the coast too, and I’ve got more hips and more ass than most of the women up here in the city, and he liked looking at that. Besides, I was alone: no children, no family nearby, no husband.

With my salary I supported my people, who had stayed on the coast, and paid my rent. I had nothing left over, but it was enough to live on, and by then I’d gotten used to the cold at this altitude. I didn’t have a partner, but I did have the occasional little boyfriend who came around every now and then to take the edge off. So for quite a while I brushed off Damián’s invitations without much trouble.

Until need pushed me toward him.

My father got sick back on the coast and I had to send money for the doctors. I sent everything I had and was left with nothing, but the expenses kept climbing. By the end of the month I couldn’t even cover the rent. One of those days, seeing me worried behind the counter, Damián offered to lend me some money. I accepted, ashamed, but I accepted.

To make a long story short: two months passed and I still hadn’t paid back a single peso. Then he suggested, half joking and half serious, that we settle the debt “another way.” At first I was offended and told him no. But the weeks went by, another month was coming and I still couldn’t pay him, and one day I simply agreed. We decided to meet at my place.

***

He arrived on time, well dressed, with two bottles of wine tucked under his arm. We sat on the sofa and he immediately started flirting, inching closer little by little until we kissed. Damián was a good kisser, with a calmness that got me hotter than any rush would have. He kissed down my neck, squeezed my tits over my clothes, grabbed my ass with both hands, and undressed me slowly, as if we had all night.

He laid me back on the sofa and went straight for my breasts. I felt all his weight on top of me, his huge hands covering me, his tongue circling my nipples before biting them softly. I moaned more than I had in a long time. And that was just the beginning.

When I was completely naked, he stood up and started taking off his clothes in front of me. I watched him from below, seeing that gym-built body he was always showing off. But what left me speechless was his cock. I’d never been with a man like him, and when I saw how big and thick it was, I knew before I even touched it that it was going to be a challenge.

He lay down on top of me, gave me a long kiss, and then gently lifted my chin to ask me to suck him.

Up close it was even more impressive. When I wrapped both hands around it, and I have small hands, the head still stuck out above them. It was rock hard, with veins standing out and a thick smell that made me dizzy. I ran my tongue over the glans and he jumped with a laugh. I liked the taste so much that I took it into my mouth, even though because of the thickness only the head and a few more centimeters fit.

I kept going, but the length intimidated me, and I think he noticed. Then he did something none of my lovers ever did: he lifted me up and gave me a tongue kiss without caring where my mouth had been. None of the men before him ever kissed me after I’d sucked them, always hiding behind the excuse of the “taste.” That kiss turned me on even more.

After that I let go completely. I sucked him every way I could think of: I licked the glans, jerked him with my hand while I kissed the shaft, sucked his balls one by one, ran my tongue from top to bottom until it was shining. He was panting, holding me by the hair, letting out the odd broken word. I don’t consider myself any kind of expert, but that night, with a man like that on top of me, I let myself be carried away like never before.

***

At one point he lifted me and arranged me backward over his chest, into sixty-nine. I was still with his cock in my mouth when I felt the first lick, one long stroke that went over my whole body and made me jerk. Then he focused down there and licked me without rushing.

Damián knew what he was doing. He licked inside me, sucked my lips, played with my clit until my legs closed on their own from pure pleasure. He forced them open again and kept going. I completely forgot about his cock. Only his tongue existed, touching places no one had ever touched before, sending shivers and tremors through me, bringing me right to the edge without penetrating me yet.

Then he turned me, put me on all fours, and started licking me from behind too while he spanked me. It was the first time anyone had done that to me. At first it felt strange, but when he added little bites on my ass cheeks I started really liking it. It didn’t last long: he stood up, reached into his pants, took out a condom, and put it on. I had never found it so exciting to watch a man put one on; his cock looked so tight inside the latex it seemed even thicker.

He settled behind me and started to enter. Every centimeter hurt more than the last. There came a point when the pain got so bad that I gave in and made him pull out.

“It hurts a lot,” I told him.

“Easy,” he said, turning me carefully. “Not like that.”

He put me on my back, kissed me, and started in again, this time very slowly, using saliva to help. In that position I could see his whole body pushing in, and to my surprise it didn’t hurt the same way: each centimeter was a tingle wrapping around me.

Feeling and seeing him enter me had me hypnotized. He got in deeper than anyone ever had, and still there was more. He pushed and pushed until the last stretch was inside, and I felt his balls pressed against me. With him all the way in, he started moving slowly. The pressure was so intense that at moments I felt like I was going to piss myself, but I held on. Not for long, truth be told, because soon he picked up the pace and it started hurting again.

When he saw me complain, he stopped, pulled out, bent down, and spat several times. When he entered again, everything was slippery, and there was no discomfort anymore, only pleasure. This time he could go all the way in without me complaining.

***

Damián controlled the rhythm like few men can. He knew when to give it to me hard and when to go slow, and he had me right on the edge of losing my mind. With every thrust I felt him deeper, things I had never felt before. And what I liked most was when he lay down on top of me without stopping and kissed me while I clung to his neck and his broad back.

Once we were completely lost in it, he bent one leg to the side to open me wider and kept fucking me while he slapped my ass. His hands were so big they left my skin burning, and with his cock inside me it was an extra shot of pleasure that drove me to the limit.

He wasn’t quiet either. While I moaned, he panted and let out hoarse phrases: “You’re so tight,” “This feels so good,” “You like it, don’t you?” And those words only lit me up more. His voice, deep but trembling because he wouldn’t stop moving, told me he was enjoying it as much as I was.

The best part came at the end. He started moving faster and faster, grunting, until he flipped me onto my back, pulled out suddenly, and took off the condom. He came all over me, covering me almost to the waist.

Then, with nervous laughter, he told me I was very tight, as if he were afraid I might think he hadn’t lasted long. It was the exact opposite: I didn’t even know how much time had passed, but I was so thoroughly fucked and so satisfied that I had no strength left for anything.

He went to get paper to clean me up, and we stayed lying there for a while until he suggested we shower together. I agreed. I got up with a deep ache from being fucked so much, but I followed him to the bathroom anyway. There, under the water, his cock was already soft; still big, but with a different look. Between caresses I kept touching it and we kissed, and I felt it slowly grow in my hand. I jerked him off a little and bent down to suck him for a few seconds.

I fully intended to fuck again right there, but I was so sensitive that even peeing felt strange to him. I told him it was better if we left it for next time and just showered. When he got dressed to leave, he said goodbye with a kiss and told me, half joking, that if I needed another loan I should ask without shame, since now he knew how to get paid back.

***

From that day on, Damián became my lover. He helped me with money, yes, but above all I enjoyed the way he fucked me. With him I came for the first time in my life. I got so hooked that on one occasion I even let him fuck me without a condom, screaming more than ever.

But nothing lasts forever. We stopped seeing each other when I found out he had children on the coast and had never separated from their mother. I found out because the woman herself wrote to me to confront me. Damián, all that time, had been the cheater, and I, without knowing it, was the other woman.

The last time we were together was about four months after that first night. Since I had already decided it would be the ending, we did it three times in the same early morning. I was left wrecked. After that I almost broke my promise, because the desire came back and he kept insisting with his messages, but I held out and didn’t answer him.

With time he moved out of the neighborhood; he got another job in another city. I still have him added on some social network, but I never wrote to him again. Sometimes, when no one can see me, I wonder what would have happened if that night I had told him no to the loan. And the truth is, I’d rather not know.