0 comments/  175427 views/  24 favorites

My Niece Needed a Loan

By: JRob



The call came in very unexpectedly. The voice on the other end was a little bit frantic, and at first I didn't recognize it was my lovely niece Jessica.

The 24-year-old had been married four years, had two children, and worked for a law firm in Philadelphia as an administrative assistant. Jessica and her family lived several hours away, so I only got to see them at Thanksgiving or sometimes other holidays. Her husband Daryl was a hard-working taskmaster who loved fast cars, his young kids and sweet Jessica.

We exchanged small talk, the entire time with me wondering what prompted the young woman to give me a call out of the blue. In fact, at first I asked if she wanted to speak with my wife, only to be told that, no, I was the person she wanted to speak with. 

"Uncle Rob, can you talk, uh, privately? We need your help." Of course I could.

For the next few minutes I listed as Jessica told of her mean boss revising her work hours, a fact which forced her to leave his employ as she couldn't find proper babysitting for the young ones. From there she moved over to Daryl, and how he was in a car accident that along with her own car suffering a break down and extended service left them without transportation. Then there were doctor bills, loan payments and, well, you get the picture. Times were tough in their household, and they needed a loan.

Normally I wouldn't have thought twice about lending her some money. They were a nice young couple, I had watcher her grow up from a little girl to a smart and pretty young woman. She was clearly my favorite niece, and I would help if I could. I knew they were good for it, even if Jessica was out of a job at the moment. Heck, I remember when I needed a loan and my parents helped me our. 

It was, though, a difficult time for me. My own daughter had some pretty hefty tuition bills and I had only recently taken a second loan to do some long-needed renovations to our house. There wasn't a lot of money sitting around for family loans. 

Jessica was also eye-candy to me, a look, not touch, family member. You know the kind, young, innocent, pretty. Jessica was always the hot, slutty teenager who turned guys heads, mine included. Of course, being family (oh, yes, and the fact that I am 30 years older than she) I only allowed my eyes and mind to drift toward the girl. Over the years she'd bat an eyelash and I'd spring for a new outfit or help fund her shoe fetish.

We talked a while more and I promised to give her a call in a day or two to see what I could do. 

That night over dinner I mentioned the call to my wife, Cheryl, who immediately went ballistic.

"You didn't fall for that bullshit story did you," spat Cheryl, changing in seconds from a normal woman into a bitch. "She's been asking everyone who will listen for money. I guess she ran out of people to call so she's trying to get old pushover like you to give her money."

I couldn't believe my ears. Jessica had always been a favorite niece of my wife as well as me. It took some doing, but I finally got to the bottom of the matter.

"She's been gambling and doing some kind of drugs," said my wife. "That's why she lost her job. And the cars? She was drop-dead drunk and crashed into a fricken stop light. They don't have insurance and that's why it hasn't been fixed. She spent the night in the drunk tank and her parents had to bail her out the next day. That's why she lost her job, she wasn't there again. 

"The kids are with her sister Carol, and from what I hear Daryl is no better. He crashed his car alright, because he was out joyriding with his friends, showing off for some whores or something. I hear he was joyriding because he came home and caught Jessica making out with a friend of his. They are trouble, and you stay away from it. You are by no means going to lend them a dime."

I was stunned by the disclosure. I never imagined Daryl and Jessica to be anything but even-keeled, loving parents. Oh, before the kids, they were wild. But in recent years the "kids" aged as they had kids of their own. 

News of Jessica being on drugs really confused me, as she always maintained that those who "used" were only hurting themselves. It took forever to get to sleep that night as my mind kept thinking of my niece and her problems. 

The next day I called my niece back and confronted her on the issue. I told her I didn't appreciate her lying to me, and advised her to get some counseling. She hemmed and hawed but gave no indication my wife's assessment wasn't true.

I spent the rest of the day upset with not being able to help the needy girl but understanding that a little tough love was what she had Daryl needed to get their life back on track. Knowing that her parents would take care of the kids made the decision a lot easier. 

That night I attempted to get some loving from my wife, who pushed me away (as she had most of the time in recent months) and I moped off to bed in the guest room. It was not a night of fitful sleep. 

I battled the Beltway traffic the next morning, and just minutes after arriving my assistant put through a call from Jessica. "Uncle Rob, I am so very sorry for lying to you," said the throaty voice of my niece. "You are my final hope. I don't know where else to turn. We're going to lose the house, and Daryl is too proud to beg. But I'm begging."

"Jessica, what about the drugs?"

"It's mostly painkillers, and some grass," said the girl, coming clean. "Mom told me she spoke with Aunt Cheryl, and told her everything. I should have told you the truth. But it's so embarrassing."

Jessica paused, and I didn't know what to say. 

"Yes, I lost my job," she continued, "but I have been in counseling. I've kicked the habit for now. I am not perfect but I am trying."

My mind wandered to better days when Jessica was just a girl. We didn't see the family a lot, but when we did she was always the smart sister, the good kid, the hard-worker, and, yes, the looker. Jessica was pretty as a girl, flirtatious as a teenager, and beautiful as a bride. There was more than one occasion that I'd be screwing my wife and thinking of the little girl. 

Hey, it was innocent fun. I also fantasized about Cheryl Ladd, and sometimes I'd say her name out loud when I was screwing my wife. Lucky for me it wasn't another woman's name. 

Jessica spoke more of how she had changed her life, wanted to go straight, but I knew it was bullshit. She was saying all the right things, but I knew I was being used. It was too easy to hit me up for money for grass or whatever, I knew that, so I was very non-committal. We talked a while more and agreed to speak later in the week when I'd be up in Philly on business. 

Cheryl asked me twice whether I'd caved in and given Jessica a loan, or worse yet, cash, and I assured her that wasn't the case and that it was a closed issue.

Still, that night, I fantasized about the situation as I made love to my hand. How low is that?

On Friday I finished my meetings near City Hall at 3. I called Jessica and she agreed to meet me at the 30th Street Amtrak station for coffee before my 6 o'clock return trip. An hour later I watched her walk across the lobby of the station --- she looked adorable in her tight tee top and mid-thigh skirt. It reminded me of the days when she'd come to a party looking like a slut, low cut top, tight jeans. She was always a looker. 

She arrived at my table, twirled, and said she hoped I liked her outfit. "I thought I should dress the part when looking for a loan," said Jessica coyly. 

If I were a bank officer with an eye toward the female persuasion, she'd have walked away with the cash in a flash. But I had no intention of giving her money, it would head right down the drain.

On this trip, though, I planned to counsel her to get a job, kick the habits, and get her life back in order. At least that was the plan, but halfway threw my spiel I realized I was merely staring and the pretty young girl.

"Is something wrong Uncle Bob?"

I mentioned how disappointed in her I was, how she is putting people in a very precarious position. I mentioned how loaning her money without collateral was a dumb idea even if she was good for the money because, quite frankly, none of us thought she had kicked the habit nor would be working anytime soon.

We discussed her situation for about 20 minutes, and I once again told her I didn't have the money to lend but that I was truly concerned.

She shook her head. "Concerned my ass. I'm desperate and nobody will help."

Again I told her she made her own bed. 

"My bed? Any bed? I have to find the money somewhere. I have some offers you know. I can work the bars," said the indignant girl. "I'll screw a few guys and get some money, you all are bastards anyway."

Jessica got up to leave but I grabbed her wrist.

"Sit down Jessica!" I forcefully said, pulling her back into the hard metal seat.

Staring at the pretty young girl, I realized she was frightened and maybe even a little scared of her situation.

My mind whirled, I couldn't lend her the money. But I wanted to. I couldn't let Jessica sell her pussy for cash, could I? I mean, how low was that? To even consider renting her ass for some strange man was unbelievable to me. Still, Cheryl would kill me if I lent the girl a dollar, though, so she couldn't find out. 

And I needed some collateral.

"So, Jessica, you'd sell your ass to get some money?" I asked in a matter of fact manner. 

She smiled and batted her eyes. "I'm desperate. There are worse things than sex you know."

My mind was working overtime as I looked at the girl. It wasn't long before the idea hit me. 

I pulled out a blue fountain pen --- a gift from Cheryl --- and gently wrote on a napkin: "I hereby acknowledge the loan of $5,000 from my Uncle Bob, to be repaid in entirety in 15 months. If, at the end of 15 months, I can't repay the lump sum amount, I willingly will allow Uncle Bob to have sex with me for an entire night. I would be at his disposal to use as he pleases, his Whore for a Night so to speak. 

"I will still owe the money, which, after that night, would be due in $100 increments each month. In addition, I will pay quarterly interest in the amount of $500, payable on the first of April, July, October and January. If such interest is not paid, I will give Uncle Bob as good a blow job as possible. All of this will be confidential. I will not let anyone know. Anyone."

I turned over the page and continued: "To ensure compliance, I will allow Uncle Bob to spank me this weekend, bare bottom if he chooses, and I will pose for some provocative photos. If these two conditions are met this weekend, and if I agree to all terms stated above, I will get the loan. If any of these terms are broken, Uncle Bob is free to do as he wishes with the photos, up to and including selling them."

I passed the note to Jessica, and her eyes widened as she read the words.

"I couldn't do this," she shyly said. "I'm not a whore."

Shaking my head, I asked, "you'd screw strangers for money, but you won't accept a loan from me? Hey, the collateral is the same ass you'd give up to strangers. You're a whore, alright, we're just negotiating the price." 

The girl looked at me with disbelief. 

"But you are family," said my niece as I cringed just a little. She was right, I was attempting to take advantage of the situation. But it was five grand I had to find, quietly, and money I might never see again.

"There's no handout for this kind of money, Jessica. You don't have to do anything, and you surely don't have to have sex with me, if you follow the rules and pay back the loan in 18 months as agreed."

The girl pondered the offer. "But the, uh, spanking?"

"You've been bad, and your parents didn't want to deal with it. I will....but don't worry, it won't hurt that much. You will remember, though, in case you even think about skipping on the repayment."

She asked about the photos.

"They will be provocative, and you will be embarrassed if they were to get out," I surmised. "You know, this isn't blackmail, or anything, just a security deposit. You will get them back when you repay the money."

I looked at the girl. "Think about it. You can trust me, Jessica, you know that or else you wouldn't have come to me. I'm also your last hope...unless you want to sell your ass. And besides, pay the money back on time and you can save that ass for your husband."

Jessica nodded her head. I had her. 

We made plans to meet Friday night for her attitude adjustment spanking, a couple risqué photos, and the exchange of the loan. I couldn't wait.

* * * 

Cheryl never heard about my meeting with Jessica, and surely didn't suspect I had moved over to the Dark Side or whatever. I'd be divorced in minutes, for sure. Heck, I couldn't believe things got as far as they did.

I went to the bank and cashed some savings bonds, sold a couple DRIPs and emptied out my rainy day fund. Five large, and who knows if I'd ever seen it again. I've had second thoughts before, but third and fourth? Still, the thought of Jessica over my knees, or posing naughtily took over my mind. 

Snapping back to reality, I told myself this was nothing but a loan. Yes, I'd shock her this weekend, but it would not involve actual sex...damn, she deserved a spanking. I had to have "something" on her or else I could kiss the money goodbye.

Jessica called twice during the week, asking for the money without any strings. I counseled her to ask at her bank. After what seemed like a long pause, she said she'd be home alone Saturday and we could "do the deed."

I said that instead I wanted her to give me a yell at 10 a.m. and we'd figure out what to do from there. No way I was going to be over her house...that smelled like a set up.

Bright and early Saturday I caught the 7:03 to Philly from Union Station and for once the train was right on schedule. I walked up the stairs and into the cavernous main station, keeping my eyes out for darting pigeons. Grabbing a soft pretzel (coated with spicy mustard, of course) I waited for Jessica's call. 

On schedule, she called and I advised her to grab the subway toward center city, where I asked her to call when she arrived downtown. I sauntered over to the Fairmont, checked in using points, and awaited her call. Good think I had called in advance for an early check-in.

An hour later she called and I sauntered over to City Hall where I met her in the courtyard. We slowly walked to the hotel --- she kept looking around anticipating where we were going --- which spooked me. So, spy-like, I slipped up and down the several stairways that went underground between the Penn Center complex, past the subway, elevated like, and Suburban Station trains. 

Soon we were at the Fairmount, and we made our way to the 9th floor.

"So, Jessica, are you in agreement with the terms of the offer?" To help persuade her I took out a handful of Benjamin's and set them on the bed stand. I swear her eyes opened wide looking and longing for the money.

The young girl asked to see the document, looked it over, and signed it with a flourish. 

"There's no way I will have to fuck you, Uncle Bob, I promise to pay back the loan."

"I know you will, Jess, but I am serious...you don't comply and I will bang you. Imagine that for a minute."

She looked me in the eyes and shook her head. "Things are bad now, but there's no way I'm doing that. This is all so embarrassing. I can't believe I got into this situation."

Telling her I believed her, that I knew it would work out, I assured her it would be our little secret. That nobody needed to know anything, but that I would use the photos if I had to.

We argued a little about the photos and spanking but I wasn't swayed. I told her it was all the deal or nothing, and that if she wanted the cash she had to live up to her end of the bargain. 

She asked what was next as I smiled. 

Huh, imagine the opportunities! I told her to sit in the large chair near the desk. I brought out the digital camera and began taking shots of the girl in provocative poses. After some risqué but still with a bit of modesty I pushed the envelope. 

"Put your legs over the arms of the chair, Jessica."

She did, and I saw under her skirt that she was wearing blue panties. I had her pull them down her creamy thighs and lift her legs. What a photo it was, Jessica was in the chair, legs akimbo, panties below her knees and a clear shot of her smartly trimmed bush. The smile she shot me was priceless. Later I got shots of her kneeling on the bed, her ass prominently displayed, and others holding her tits. 

I snapped dozens of shots before the coupe de grace, her holding her pussy lips wide open for the camera and then of her playing with that wet snatch. Then, to cap things off, I whipped out my hard cock, much to her dismay.

"We didn't agree..."

"Hold on, Jess, just a shot. You don't have to touch it." I maneuvered around so that it appeared she was licking my cock when she was actually an inch or so away from it. 

I wanted to fuck her right then but a deal is a deal and I merely snapped photos. God it was hot. The beautiful girl was pretty in the shot, almost as if she actually had been licking my cock.

Camera safely put away, I pulled the young girl over my knees. She began to whimper, and I told her to stop. I caressed her ass for a while as she anticipated the spanking, and after waiting and watching her I lifted her skirt. "Now Jessica, you will pay me back the money, right?"

She nodded. 

For the next few minutes I spanked her pretty ass, first softly, then, once I had the rhythm, much harder. It was an erotic moment, watching the girl attempt to wiggle her ass away from the endless attack on her creamy bare ass. That ass soon became pink, then red, as my hand spanked like never before.

Only when my hand started to hurt did I stop the onslaught. By then Jessica was crying and begging me to stop.

I kept her over my knees, observing and stroking her pretty ass while telling her she had better pay me back. That money didn't grow on trees. That she had to change her ways. 

Only time will tell if she got the message.

My Niece Needed a Loan Ch. 02



(While it is not necessary to read part one of this saga first, the author recommends that you do to provide context and clarity. Enjoy.)

There's something nice, really nice, about having the goods on someone. Solid, no questions asked goods. It is especially nice when that someone is your pretty niece. 

My young niece Jessica was in dire straits until I stepped in with a $5,000 loan. I'm not proud of what I did, I admit I didn't do it to help her. I did it because I got to see her pretty bare ass. I got to fondle it, spank it, and rub it. I got to take suggestive photos of her. I got to do things no man should do to his niece, and all for the low low price of a $5,000 loan. 

Such a bargain!

She promised to pay me back the money, with interest. After all, it was only a loan. Besides, it was money I really couldn't afford to lose. So it was what it was, a loan secured by some tawdry behavior. 

Apparently, she didn't get that message. Or maybe I didn't understand the old adage: don't do business with family. 

But I am jumping ahead of myself. 

In the weeks that followed that wonderful day when I got to play all kinds of games with my beautiful niece Jessica things went on as normal. I went to work, played a little golf, begged my wife for sex...all the usual. But in my spare time I'd look over the photos I secreted away of young Jessica.

My wife never let up about how Jessica and her husband Daryl were losers, and that she was happy we hadn't helped them out of their financial nightmare. Tough love, she said. 

Only all of a sudden their car was fixed and the mortgage paid to date. 

"I can't believe it," said my wife. "They hit the lottery. They won $5,000. Doesn't it figure? So much for tough love."

I smiled to myself. I know all about THAT lottery, it came in the form of payment from savings bonds from my youth. If my wife Cheryl had found out I had lent the money to Jessica and Daryl I would have been shot, and if she found out about our little deal, the naughty photos and the bare ass spankings, I would have been castrated too. 

In the back of my head I justified the actions by saying it was all for the sake of embarrassing the girl, that I didn't get any sexual pleasure from it, and so forth. But the fact that I regularly jacked off looking at the photos burst that bubble of thought. I'd see Jessica from time to time, we'd make small talk, but words about the loan were never spoken. It was almost as if I had a desire to see her fail to repay me so that I could have more of her luscious body. 

About a month after the money was exchanged we met at a family outing. After being shunned for months, Jessica and her family were back in the big family fold. When the coast was clear she thanked me for helping her out, and promised she'd keep her end of the bargain. She was working part-time, Daryl was doing odds and ends, and they were back on track. She'd be sending payments as agreed. 

The sad part is that I believed her. While only she and I knew about the loan, I knew I had the photos and the memory of spanking her pretty behind. Weeks went by, and we didn't have much interaction, but from time to time I'd take out the photos and pleasure myself with the memory of that wonderful hotel meeting with my niece.

The bottom line, I told myself, was that I knew about the loan, she knew what she had to do to repay it and that was all that mattered. At least until the first interest payment was due. Since I had heard nothing but good things about what Jessica and Daryl had been doing --- apparently they were able to get work and so forth --- I assumed I'd start getting some of my money back as promised.

You know what happens when you assume.

At first I was going to call Jessica before the first payment was to come. Heck, I even thought of telling her to forget about it, and I'd wait for payment as they got back onto their feet. But something told me to hold off calling. When I hadn't heard from her on the scheduled date I began to worry, but the next day Jessica called and said she hadn't forgotten and that only she's been very busy and wondered if we could meet the following Saturday. Sure, why not?

Saturday came, I drove to Philly and we met at Gino's, and I was hit with a shocker. No money. Sorry. There were more bills to pay, a car needed more work, this and that. It would only take a week or two, though. 

I explained our deal, and there was no negotiation. She replied she just didn't have the money. I told her to get it, and we made a date to meet the following week. This time, I was prepared for the worst. 

That night Cheryl informed me that Daryl had been caught in a DUI trap and had to be bailed out. Now I knew where my loan payment had gone. I was furious.

On my second drive to Philly I wondered why the girl hadn't just told me of Daryl's bout with the law. Heck, I would have understood. At our meeting at the Bucks County Coffee Show at 30th Street Amtrak Station she quietly told me the entire story. 

Yes, Daryl had been nabbed at a DUI checkpoint. But it was worse. He had a bag of meth on him. The police not only threw him in the pokey, but impounded the car. Jessica had to rent a junker to get to work, and between bail, the rental and past due bills she didn't have the money to pay me.

Reminding her of our deal, I had given her two extra weeks to produce some cash...or else. 

"So, Jessica, are you ready to comply with the terms of the loan?"

The girl looked at me in disbelief? "No way...I'm not sucking your cock," said the girl within earshot of several guys at a table nearby who turned and looked our way. Seconds before there was all kind of background noise, but when she spoke there seemed to be a dead silence in the room and judging from the head turns and looks apparently everyone heard her reluctance. 

Smiling, first at the guys and then at the girl young enough to be my daughter, I quietly reminded her of our signed and sealed deal. No repayment according to schedule, and I got to have my cock sucked. 

She looked at the floor, as if considering her options. "Uncle Rob, we are related. The other stuff, well, that wasn't sex. This is so wrong."

I wasn't going to disagree with her, so I merely stared before speaking. 

"Is it as wrong as you screwing a neighbor and getting caught by his wife," I firmly replied, reminding her of that embarrassing situation. "Or your getting drunk and hauled in by the cops? As bad as your nearly losing your house? Remember, I've done everything to help you and you repay this kindness by your lack of payment. What's with that? Besides, a deal is a deal."

A look of resignation came over her and then my young niece stood and started out of the shop, me following a little behind. 

"Where are you parked?" she asked, and while she didn't agree to what we'd be doing, I had impression she had come to grips with it. 

We strode to the elevators and while waiting she asked if there was anything she could short of sucking my cock to comply with our agreement. "Uncle Rob, I have no problem sucking your dick. I deserve it, I know I agreed to it. But you are my uncle. Couldn't we do the spanking thing or something else instead?"

I reminded Jessica of our deal, about how I was on the hook for college savings money (I lied), on how most people left her in the lurch and would have liked for them to lose their house. I reminded her that she wasn't a virgin. Then I pulled out the show stopper. "Look, Jess, I don't get any at home, and I have fantasized about your mouth for years."

The girl bought it. She actually smiled and told me it would be fun. Go figure. Good thing we were done negotiating because a guy who appeared to be homeless shuffled his liqueur laced body into the elevator on the third floor, greeting us with a burp. We left the drunk in the elevator on the fourth floor of the parking garage and walked to my car. We talked for a minute as I surveyed the area and found the coast to be clear. 

I told my niece it was time, and she looked at be in disbelief. I wasn't going to be swayed from making her hold up her end of the agreement.

"How do you want to do this?" asked the sexy young girl.

Words to smile to! I unzipped my pants and thought of how to accomplish things. I was afraid of lowering my pants and underwear as someone could walk by and catch us and it would be obvious what was going on. So I unzipped the pants then slid my cock out through the slit in my boxers. 

My cock immediately sprung to attention.

"Do you like it jerked a while before sucking or should I just suck on it," asked Jessica. I have to admit I never had been asked that question before. 

"Uh, jerk it first for a little," I replied, thinking that I would be able to watch the area while she and I were upright. Had she bent over onto my dick it might have been obvious to onlookers what was going on in the front seat of the Honda.

She circled the base of my cock with her left hand and gradually began jerking me off, moving her fingers slowly up and down my now-hard manhood. The feeling was marvelous. She started slowly, and then gradually increased speed. After a bit she reached over with her other hand and began a tantalizing hand tandem that made my cock quiver. 

Her left hand worked the base of my cock up and down as she concentrated on the lower part of my cock. The right hand milked the tip, acting as a pair of lips on my throbbing meat. The feelings were intense, and I felt my cum start to boil.

I attempted to get my mind going elsewhere because her hands were on the brink of getting me to shoot. That would have been great, but I wanted her to suffer a little and I wanted to savor the sensations of my dick in her mouth. 

Thinking of anything but young Jessica, I desperately attempted to hold off shooting my load. I thought of the teacher in school who gave me nothing but grief and my first boss, who was a complete asshole. Somehow my mind shifted to a night when my friends were playing poker. Somewhere along the line we began a beer-induced discussion of blow jobs. 

We came to the conclusion there were two types of women who give them: organized and unorganized. The organized ones were generally a bit more experienced, they knew what men liked and they took their time to provide that service. They would say they didn't like giving them, that it really was a "job," but they did the deed. They followed a tried and true methodology, motivated by the knowledge that the guy was almost surprised they were performing with such intimacy. Deep inside, these women had a need to control the action and the guy they were doing.

Then there were the unorganized women, generally younger with less experience at fellatio. They do it because they liked doing it, that it was so much of a turn on they sometimes even got them off in the act. They are very active and tend to twirl their head, sending hair from side to side, and move their head with a purpose. Generally speaking, they were younger girls. 

Of course, any woman who does the deed is perfect in a guy's eyes, no question. Organized or unorganized, the receiver didn't care as long as she didn't look as if they were going to die in the process. All of us agreed those women, the ones who do it while complaining and pulling off at the wrong time and so forth, were the worst. 

The thoughts of these other thoughts allowed me to hold off my orgasm, but not for long. I couldn't help savoring Jessica's actions. 

"You need to suck it, girl, you need to suck it fast," I demanded, knowing my orgasm was approaching and she had yet to place her pretty red lips on my dick. I mean, what's a blow job without lips? 

Jessica stopped her hand action, looked into my eyes, and smiled. She scooted onto the passenger seat, kissed my cheek, and then lowered her head toward the bulging missile that was her sole objective. I gave one look around and saw nobody, so I put my hand on the back of her head to help guide it to my cock. 

I felt her breath as her head approached my cock. I think she slowed, either because she really didn't want to suck me or, as I believed, she merely wanted to tease me more. I thought to myself she had done this before --- a lot --- because the entire act was timed perfectly. I was throbbing, I was nearly begging her to continue, and still she moved deliberately to my dick.

She stopped an inch or so away from her objective, but I couldn't take it any more and pulled her head down to make contact. 

She ovaled her lips and slid them down my cock, holding it in her mouth tightly. She had about half of my six inches firmly in her moist mouth hole and was working her lips on my dick. Then she lowered her head a little more onto the cock before lifting her head and teasing me with her lovely wet lips. 

Up and down she moved her head on my cock like a master. She was obviously an experienced fellatrix as each movement was orchestrated for my satisfaction. She worked my cock slowly, faster, then slowly again. She couldn't have been sucking more than a couple minutes before I began to lose control.

"Oh my god I'm cumming," was about all I could manage. She attempted to pull her head of my dick and jerk the cum out but I held her lovely hair firmly in place on my cock so she could sample the full thrust and spurting of my cock. And spurt I did, blasting her mouth with five copious doses of man sauce.

She was forced to swallow some cum, but some also leaked out onto her lips and chin, and I had to smile as she didn't know whether to wipe it off or rub it in. 

Coming down from my orgasm I looked at the girl, reached into the back seat and presented her with a tee shirt to wipe her face. 

"You are so bad, Uncle Bob, that was so wrong of you. You shouldn't have cum in my mouth and made me swallow. We're family!"

I laughed a little at her morals, and then apologized. "We'll Jessica, we had a deal, so if I didn't I'd have broken my own agreement, no?"

She shook her head. I had thought after finishing there were two types of ways women react after a blow job. Some pull back to clean off and move away from the mess, while others stay with the cock which had spurted on and in them.

Now I knew a third way, as Jessica did wipe off my cum but didn't pull away. She didn't hunker down and continue to love my cock. She was sort of suspected in between, as if wondering what to do next.

So I told her. "Clean me off, Jess, kiss it a little more before someone comes by."

The girl followed directions without a whimper, lowering her head once more onto my dick, cleaning it with her mouth. I took that opportunity to feel her ass under her jeans and panties. Hum, that was a wonderful ass.

This was well worth the danger of having her not repay her loan on time, I thought, although I did wonder what I would do if my wife asked about the bonds. Still, she hadn't for years, so why would she start now. 

Jessica made herself presentable while I zipped up. She looked great in her jeans and tight top, and I couldn't believe she had just minutes before given me her mouth.

"That was wonderful, girl, wonderful," I complimented the girl for her work. "I am proud of you for living up to your end of the bargain."

She asked if it meant she didn't owe the $500 in interest any more. Smiling, I said she did, but that it was only $250 given her actions of the day. 

She nodded.

I wondered if they next payment would be late as well. 

I hoped it was. 



My Niece Needed a Loan Ch. 03



(While it is not necessary to read the earlier two parts of this saga first, the author recommends that you do to provide context and clarity. Hat tip to Nikki and Roger who wrote to ask for an update of this story. Enjoy.)

*

My father used to have a saying, one that he'd use when he didn't have my allowance money at hand.

"It's better to owe you than to cheat you out of it," he'd say. Ultimately he would pay up, and I would remember that saying. 

In the year that followed that wonderful day when my niece Jessica sucked my cock off in the car, I lusted for more. But, well, a deal is a deal, right?

Jessica had coerced me out of a $5,000 loan a couple years ago, a fact that if my wife had known about she would have divorced me. 

Of course, I wasn't a total idiot. I had a deal with the girl, and when Jessica hadn't paid up on time she had to make good my using her mouth as down payment. That blowjob, had my wife known, would have had her cut my dick off before she divorced me.

Luckily, what my wife Cheryl didn't know wouldn't hurt me. 

And when Jessica began making interest payments --- and even a couple principal payments --- it appeared that I'd gotten the best of all worlds. I was getting repaid for the money lent, but also received interest in the form of a blow job. 

To say nothing about those wonderful provocative photos I had buried deep in boxes in my basement where Cheryl never goes. Those photos were used as masturbation aids for me in many times of need.

The loan had worked out perfectly for me. And with Jessica repaying on schedule, I was able to purchase some savings bonds that were liquidated earlier to get her the cash.

At home, things were going pretty well. Cheryl regained a little of her libido, and at least once a month we'd make love. Little did she know I thought about Jessica when I was banging her. She still refused to blow me, a fact that stuck in my craw. But at least we were a little intimate.

Jessica and husband Daryl were getting back on their feet, as both were again working. Now 27, Jessica was a secretary to a Philadelphia lawyer and Daryl worked at a packaging firm in the suburbs. 

We'd see them at holidays, and normally when nobody was around Jessica would make sure she thanked me for helping out. She claimed they were swearing off drinking binges and drugs, and most of the problems with the law were finished.

That was a 180 degree difference to when they were having problems. There were DUIs and possession charges, missed home loan payments and the fact that Jessica was caught fucking a neighbor --- by the guy's wife no less. 

Not pretty times. 

My wife had warned me about Jessica and Daryl and their habits of coercing cash from relatives. I fell for it, but with the full knowledge that they were swindlers. That's why I got the photos, as well as the wonder of spanking the young girl and later receiving wonderful head from her in the car.

Those were great memories, and with the payments coming in the past "interest bonus" of her head in my lap didn't occur again. No problem there, although I secretly hoped for a reoccurrence of the act.

Work had been crazy the last couple months as the projects I had been working on were mind-boggling and time consuming. I was behind on chores at home, and Cheryl was getting on my case. When that happened, there was no Saturday night fun. 

That fact pissed me off. My wife used sex as a weapon, a loaded one, as if my reward was her pussy for working around the house. Wasn't providing a good living enough?

Jessica had called me on my cell and said she'd send a scheduled payment to my post office box, rented for precisely that purpose because it would have been all too obvious if a check arrived a home and nosy Cheryl opened it.

With work crazy, I hadn't checked the post office box, and when I did there was some junk mail but nothing from my niece. When I called her she insisted that she'd sent it...and that she would check with the bank.

A day later she called and said it had been cashed and she was working with the bank for a copy of the check.

That night Cheryl mentioned that Daryl had again been caught over the limit, and his driving privileges suspended. That got me thinking that maybe the "lost" or "stolen" check hadn't been sent at all.

Still I gave Jessica the benefit of the doubt.

Boy, was I wrong.

I'd check weekly and nothing came from Jessica. I knew I had been had. On one hand, that pissed me off. On the other, well, I had fond memories of the last time I needed to address the situation.

On the phone Jessica insisted she'd sent a check my way. I said I'd be in Philadelphia on Wednesday on business, and suggested we meet for lunch to iron things out. She reluctantly agreed.

It was a beautiful fall day in Philadelphia, and my morning meeting went well. I was good until dinner, when I was meeting with a client, so there was no need to rush through lunch. 

Jessica arrived on schedule, looking stunning. Apparently she dressed well for work.

Midway through lunch, though, I realized that I had again been taken for granted, and after some questioning a probing the girl admitted she and Daryl had needed all their cash for bond money and fines. 

"You know what that means, Jessica," I firmly said.

The girl looked me in the eyes and smiled. "I think I do."

We spoke for a bit, and she mentioned she'd be seeing the doctor in the morning. 

"Cancel it," I said, mentioning I'd be staying overnight. "I will expect you at the hotel 7:30 for breakfast. Be there...and wear that nice skirt you had on over Labor Day. We will discuss this matter in depth."

The outfit she had worn to the Labor Day party was both slutty and erotic. The women present hated it, but the guys, well, they loved it as I did.

Waking up the following morning at 6, I visited the hotel pool for a quick swim after the obligatory 20 minute brisk walk on the treadmill. I arrived back at my room at 7, showered, and was still in a towel when I heard the knock on the door.

Jessica was early, which was great, and I have to admit she looked stunning in her teenage outfit. Yes, she was closer to 30 than 19, but she was red hot. The short skirt immediately got my attention, but the low cut blouse too begged for attention too. 

I told her to order room service while I dressed in the bathroom. Just pants and a shirt, I didn't bother with underwear given the expected state of affairs.

The room service guy was prompt and eyed my niece as I signed the check. He no doubt thought this was a bought woman, not a family member, as he smugly said for us to enjoy ourselves when he exited the room.

"So Jessica, explain yourself. You know we had a deal..."

The girl quickly cut me off. "I know I broke the terms, Uncle Rob, so I know I will have to...you know...blow you," said the girl with a smile. It was as if she cut to the chase and was going to willingly make good on her delinquent account. Like she wanted a repeat performance. 

I looked at her quizzically.

"You know, it wasn't so bad the last time, and I really thank you for what you've done," said the girl. "I think a blow job is the least I should do to make things right."

Surprised, I turned the tables on the girl. "Oh, so you think a blow job will even the score, huh?" 

"Uh huh you bet I do," she said, glaring at the tent sprouting from my pants. "And I think you do too. Let's not kid around, that time in the car was something else. I've thought about it a lot. Sometimes I think of you when Daryl has his way with me."

We sat down to breakfast, each of us surely wondering where things were going. I wasn't about to let my niece take advantage of the situation, though. Little did she know I was still the boss.

We spoke over eggs and ham, pancakes and sausage. Jessica related how Daryl had gotten into trouble with the law again, but that he was about to plea it out to two weekend nights in the pokey and 20 hours of community service. 

"But it cost us a bunch, just when we were getting back on our feet. I worked some overtime, but I'm short on the bill. I am sorry you know," said the girl. 

In a way I was sorry for her, having been thrust into the situation. But I was also smart enough to know she'd use me like she had used every other family member at one time or another. 

To the best of my knowledge, though, I was the only one that had taken advantage of her. That blow job in the car was etched in my memory, battling the spanking I had given her and the naughty photos I had taken for top spot in my memory bank. 

Yes, she had used me, but I had gotten something in return. And today I'd get a whole lot more.

Jessica said she promised her boss that she'd be in no later than 9:30, so we had better get on with it. "Where do you want me?" asked the girl, demurely. "On my knees?"

"Oh yes, Jessica, you will be there in short order. But first come over here," I replied, motioning to my chair. "Here you go, over my knees."

Jessica smiled. "Oh no, not another spanking," said the girl, knowing it was mostly for show and not for pain. 

The girl slowly approached me in the chair, then bent over my knees. "Be nice." 

I rubbed her perfect ass, first over the skirt, then lifting it I rubbed her blue cotton panties. Deliberately I lowered the soft undies down her thighs, marveling at how nice her ass looked. 

Stroking that ass, I mumbled something to her about being a bad girl and then I began meticulously spanking that superb behind. They weren't strong strokes, but they did leave red marks on her formerly white ass. 

"Oh, ouch...careful Uncle Rob, OUCH, that hurts."

My dick throbbed as I spanked the girl. I wanted her to hurt, enough so that when she sat down at work she'd remember where she had been this morning. But not strong enough that the marks would be there tonight when Daryl might see them.

After a few minutes of sensory delight, I ask if she'd had enough.

"Oh yes, Uncle Rob, I will be good. I think you like spanking me."

I directed her to her knees and she willingly complied with my wishes. Soon she was there, unzipping my fly and lowering my pants. 

"What have we here?" she asked, playing with my throbbing dick.

"A cock for you to suck," was my reply.

She got right down to it, kissing the tip, licking around the crown, and slowly closing her lips around my shank. She sucked, barely moving up and down but tightening her lips around my dick instead.

"Oh, Jessica, that's great. Oh yes, suck my dick."

She did. 

Using talents undoubtedly well practiced, I savored the sight of her sucking my dick. Up and down she went, all mouth no hands. It was quite the blow job, as she knew what she was doing. 

After a bit of sucking she brought her hand up and began stroking the base while sucking the tip, and I clenched up in an effort to delay my orgasm.

"Just let go, Uncle Rob, come in my mouth."

I wanted to, but I had other ideas. The blow job was too easy. I think for this lesson to be learned a spanking and blow job would not be enough. 

Standing, I lifted her up and kissed the girl. Not like an uncle kisses his niece, but like a lover. At first she was a little put off, but soon she reluctantly kissed back. 

Directing her a couple steps to the left I pushed her onto the bed. 

"What are you doing," she asked before understanding what was happening. "No, no you can't fuck me. You are family. You are my uncle."

Little did she know that I could. She started to rise but I pushed her back down.

"Let me rub myself on your pussy," was my simple request. I guess she didn't mind that, because she didn't say anything as I slid on top of her and began rubbing my dick up and down her pussy.

The sensations were great, and I watched the girl's face as she appeared incredulous at what was happening.

"Oh that's so hot, that's wonderful," I said, luxuriating in her wetness. "I'm going to slip it in just a little."

Hearing no complaint, I slid my dick a little into her hot, wet core. Her pussy easily opened to accept me, and with one quick thrust I was deep inside her hole.

"Oooooh. You promised, you promised you wouldn't," said the girl who was moving to the tune of my music. "You are a pig."

Mumbling something, I reached down, lifted her legs, and began to fuck her in earnest. In and out I went, banging her wonderful pussy.

"You had no problem fucking your neighbor, so I'm just doing what he did. Besides, you owe me big time," was my quick and dirty talk to her. "Fuck me."

She did. She really did. There was no reluctance on her part as we rocked together in the hotel bed. Me, 20 years her senior, fucking her like a slut and not the niece she was. It was incredible, the feelings were awesome.

Soon she was holding her own legs high and I reached under and grabbed her ass. Then I began banging her for all I was worth.

"Oh yes, don't stop, don't stop Uncle Rob. I'm close. I'm really close....I'm gonna cum!"

The girl was matching my thrusts downward with her own series of upward pushes. The feeling was incredible and soon she was writhing and moaning and cumming right below me. 

It was hard but I held back my orgasm. But it was coming soon. Once I felt she was finished ... I could tell because she went limp ... I pulled out and maneuvered up to her face. 

"Suck it!" was my request.

She didn't miss a beat. Jessica opened her mouth and welcomed my cock. Soon I was shooting a series of cum volleys into her sucking mouth.

She looked the perfect slut. And I gave her everything I had. The feelings were incredible as I shot cum like there was no tomorrow into her mouth and onto her face.

Soon my dick subsided, but it stayed in Jessica's mouth. She savored the cum and the meat. 

"That was incredible, girl, simply incredible."

The girl finished her job, cleaning me off with her mouth.

"You were amazing, Uncle Rob," said the girl. "You made me cum twice. I am going to be shaking all morning."

With that the girl pushed me a away and ran to the shower, saying she didn't have much time. I laid there for a minute, then looked outside. From across the way I saw three guys giving me the thumbs up from an office building. I guess I should have closed the blinds. 

Waving back, I adjourned to the shower where I worked on Jessica's back while she reached behind and cleaned my cock. 

"That was pretty intense," said the smiling girl. "I was pissed at first but I probably deserved it. You have a lot of stamina for a old guy." 

Mentioning that I hoped she learned her lesson, but secretly hoping she hadn't, I told her I expected the next payment on time.

"Don't worry, Uncle Rob, it's taken care of."

I had no idea of what she meant. Who could figure this girl out?

We dressed, Jessica taking a lot more time due to the makeup and hair work. She had brought clothes more appropriate for the office, and looked lovely when she re-entered the room.

The blinds were still open, yet Jessica hadn't a clue she had admirers. That was pretty hot, knowing guys had watched our earlier session. 

Sipping coffee, I reminded my niece to keep in touch.

"You bet, see you later Uncle Rob."

I sipped my coffee for a while before packing up. Along the way, I noticed the envelope next to my wallet. In it, four crisp $100 bills and a note. 

"Thanks, Uncle Bob, for being so understanding," (signed) Jessica.

Shaking my head, I thought once again how the girl amazed me. Here she had the cash, yet she allowed her ass to be spanked, her mouth to be used and her pussy to be fucked by her uncle. 

I hope she misses another payment!



My Niece Needed a Loan Ch. 04



For the last 12 months I have been the perfect husband. I'd been a good provider who handled chores around the house. I listened to how her day had gone, what she was up to, and bought her little presents.

I don't deserve a medal, because the prior three years I was banging my niece.

Some may have not read the first three installments of "My Niece Needed a Loan." You might know how is sampled nearly all of her womanly attributes in any number of sensual situations. I couldn't help myself. I'm a guy, and when my niece Jessica and her no good husband had a series of financial problems I jumped to their aide.

It was help over the objections of my wife, who knew Jessica and her husband had gotten into the said financial problems because of drugs and drinking. So I couldn't overtly help. Then an opening came up I couldn't refuse. Jessica was willing to do just about anything to get a loan. And boy did she mean anything. 

The provocative photos came first. I loved the one with her panties down her spread legs, neatly trimmed bush leading to wide open snatch. But what made the photo was her smile and the fact her legs were wide and apparently keeping the panties from falling to the ground. Another photo showed a cock, my cock but only my meat was in the photo, seemingly pressed on her ruby red lips. 

After that photo shoot I "lent" Jessica enough money to pay back the mortgage deficiency and several bills. She was pretty regular with her repayments; but, quite frankly, it wasn't what I truly wanted. I wanted her to miss payments, which invariably she did. That led to several wonderful toe-curling blowjobs, several cum-evoking fucks and general debauchery as I insisted the girl pay her interest the way I wanted.

Jessica was asked to perform many things my lovely wife wouldn't allow me to do. I was able to spank her ass and snap provocative photos for my private collection and a few which made their way onto the Internet with a blurred face. A couple time I convinced her that cumming on her face was allowable, and she fell for it. Damn that was hot, her sucking me off, me pulling out and stroking myself. She would kneel there, anticipating, and soon she was rewarded with spurt after spurt of everything I had pent up. 

Marvelous!

Yes, she not only repaid the money in full over time but also served as my dream girl for that time.

The thing is she was appreciative of what I did for her. I know, I know, it was playing with fire. If my wife found out it would have been curtains, but we took steps to ensure that did not happen. And, after a rocky start, I think Jessica actually liked what we were doing. I mean if she didn't, why did I get a couple blow job s after all the debt was repaid?

Anyway, there was a soft spot in my heart for the girl and I was really happy they were back on their feet. Seemingly her husband got his act together and away from drugs, and her job seemed more secure. To the family, my influx of cash was thought to be a small lottery win. That was the story and Jessica stuck too it. And while I knew better, I wasn't telling anyone!

Since the affair I'd been a great husband. I'd listen to my wife, really listen. I'd do everything I could to make her happy. Oh, our sex life was still a couple times of through the motions rutting each month, but I got used to it. As least she didn't file her nails while I was doing the deed.

It was at my nephews' soccer game when I found out lightening does indeed strike twice. 

My wife Cheryl's sister, Marsha, and I were walking along watching her son stumble around the soccer field. Away from prying eyes, Marsha said that her husband Tom had lost his job and they were struggling. They needed a little help until he was back on his feet. Empathizing, I said I'd try and hook him up with something, I had lots of contacts, and she was appreciative. She asked if we could get coffee the next day, which seemed really odd. But I agreed.

Admittedly, it was a little strange that Marsha wanted to speak with me. We'd always b been at odds for something or another. She criticized me for spending summer Saturday's away from the family and on the golf course ("Tom would never leave us alone") or for my awful yard work ("Tom keeps things so nice, everyone in the neighborhood is impressed") or even my job ("Tom would never allow his boss to send him on so many trips"). 

There was no pleasing her as far as I was concerned. Still, she was family, so meeting her was the right thing to do. They were going through tough times, apparently, so why not listen to her story. 

The next day we met and made small talk, I gave her some names for Tom to call, and also some advice on some odd jobs he could do for some people in our development if he was so inclined. Finally, my sister Marsha cut to the chase.

"We are in a world of financial trouble. I lied to you, he didn't recently lose his job, and it's been months. It's getting to be difficult to handle, and the calls, they are all days and night. I pay Peter, and then rob Paul. If I take care the mortgage, the credit card bills don't get taken care of. I need a loan, Rob, I can't take the late collector calls and all that stuff. I need five grand quickly."

She talked about the bills, the calls from the credit companies, the missing mortgage payment, the home equity loan that did pay bills but now couldn't be paid. Yada, yada, yada.

Looking at her as if she was an alien being, I laughed. "I would like to help you, but I don't have that kind of juice!"

Marsha stared at me, then surprised. "You can it for that tramp Jessica. And if you know what is good for you, you will have it for me. Or else."

I was shocked. Or else? She was demanding money, threatening me? 

"I don't know what you are talking about, Marsha, I think it's time for this conversation to end."

Marsha glared at me, calculating her response. She gave a sly smile. "I know you were fucking her, she's such a slut. And if you want Cheryl to divorce you and get everything, then you will not cross me right now. Here's the deal, you can give me some cash and we will forget about this."

I laughed in her face, worried in my brain it wasn't wise, but I did it anyway. 

"Do you honestly believe what you just said? Do you think you can blackmail me? Are you out of your mind? Your mind is warped somehow. Goodbye."

I spat my response and walked away. 

Before I could get to my car it was the phone. Cheryl. Screaming at me. I hung up on her.

I did call Jessica and quickly got to the point. Did she ever say a word to Marsha? "Absolutely not, your secret is my secret, Uncle Rob."

Ah ha, a deranged woman that Marsha was. Making up stories about me. Blabbing to my wife. This too shall pass?

* * * * 

The good news is Cheryl realized her sister was grasping at straws with her accusations. And with Jessica swearing she hadn't said anything, well, things quieted down. Cheryl was pissed at her sister, but then began to weaken. The kids, the house, the threat of them moving to an apartment, of short-selling their house. 

"Can't we help Marsha?" asked my wife over dinner a week after the spat.

I couldn't believe my ears. My wife would not give my niece a dime, yet she wanted to help her sister out of their self-made jam.

"I guess we could spare a couple hundred dollars, but really, times are tight," I replied, promising to get the cash the next day. "But it's a loan, right?"

The next night my cell rang, with Marsha thanking me for the $500. "It's a start, but thanks." 

Her husband was still out of work, and from what I heard, not looking. Marsha was working a side job as well as her regular one. "We are behind on all our payments, the mortgage, the credit cards, the car. I don't know what I am going to do."

It struck me she didn't complain about her husband, nor had she apologized for her squealing to my wife about Jessica. I just knew, though, that I had a long memory. That was evident a month later at a family gathering when Marsha asked to speak with me and asked for another loan. 

I told her no, but that I'd see if I could come up with something.

"I'm begging you, Rob, please help. We're going to lose the house if we don't come up with money. I sold the riding mower and some of his tools. I even signed by collection of old pitchers. The banks won't front us, and while the family has pitched in we are well short. Please."

Smiling to myself, I formulated my plan that would be helped along by her desperation, one that I hoped to hatch soon. That ass would be mine.

* * * * *

I let things simmer a few days before meeting with Marsha.

Once again she cried the blues. She told horror stories of creditors, of husband's lack of work, a story that was sad but, well, unsolved unless serious bucks were there to help her out. We talked about that. She talked about desperation. 

In the end, I merely asked "How far are you willing to go for a large loan. What was she willing to putt on the line? How about her ass?" She slapped me. But she didn't leave.

Looking me up and down, her mind whirled and her eyes darted. 

"Just give me some money and I won't tell Cheryl that you are a jerkoff," said my sister=in-law. 

Neither of us gave an inch. I said no money was left to pass her way, maybe a couple hundred at the end of the money. She spoke of desperation.

We continued the conversation for a while. I told her of a "friend" who he helped out a Fuck Buddy. She'd be nice to him and he'd help out with the bills. "Maybe we could work something out!"

She shook her head no, but the longer we spoke she realized I wasn't budging from my innuendo demands. 

Finally, she sighed. "I couldn't sleep with you, but probably just about anything else for the loan. I need the money badly. Was that your deal with Jessica, or did she jerk you off? I bet that little tramp was fucking you?"

Marsha was really pissing me off but I knew she'd be a tough nut to crack. Yet door was open and the negotiations began. But first I laid out the facts. She was in trouble, big trouble.

I might be able to help. And, oh yes, I had never done anything with my niece, other than give her emotional support and occupational guidance. I was willing to do the same for her if she'd like. Boy could I weave a tale to get some tail.

Marsha was terrified of the bill collectors, of losing her house. I think she actually believed that I hadn't banged my niece. That's a secret that had to be kept. 

In the end, she'd signed a paper that said that, in three years, if she hadn't paid me back, she would be mine for a night. One where she'd be an expensive whore. She said it would never get there. She'd work overtime. Her husband would get a job, and they'd repay the loan.

There were a few conditions, though. I'd have to get the cash. That wouldn't be easy, but there were ways. And she'd have to give a down payment and pay interest along the way. Fair, I believed. Oh and to make sure of things, I'd want a couple provocative photos to ensure she'd not cry foul of some form in the future.

"No way, no pictures."

I smiled a devious smile and said there would be no loan.

"Whatever, asshole. Whatever."

She walked away in a huff, but was soon back. "When the loan is repaid, and it will be, I get the photos back...negatives too."

Of course...I expected her request and quickly agreed. My niece had the same request, and I still had those photos. Soon I'd have similar ones of Marsha, and I think I'd get the exact same poses!

My final condition was that we have a sort of truth game, where I'd ask questions and she'd have to be truthful with her answers. Sort of a 10 questions game. She agreed. I could tell she really wanted the money badly, enough to drop her guard a bunch.

We made a "date" to get together the following weekend. She'd escape from her house to go food shopping and come over while her sister was getting her hair done. Simple plan, and if Cheryl came home it would be Marsha's visit and nothing more.

* * * * 

Cheryl left at 9:30 and it wasn't long before Marsha arrived at 10. I didn't see any need to beat around the bush. I made sure I locked the door behind her.

"Let's get this over with. Do you have the cash?"

Damn, it was like a drug deal or something. I nodded yes and Marsha sat on the sofa.

My first question was simply often did she and her husband do the nasty?

She stared at me, but after a short hesitation she took a deep breath and then she replied. "Twice a month, give or take. Usually Saturday nights."

I asked if she blew him. She simply said, "No, that's disgusting." 

That was a question I knew the answer to, as Cheryl said her sister hated even the idea of giving oral sex. And I really believe that Marsha not blowing her asshole husband that it spilled over and empowered Cheryl to go down on me less and less. 

I wondered if they ever did it away from the bedroom. "It has been years, but yes. We did it at Clayton Park once, next to the golf course, and another time at his work. Before we got married we did it in the car a lot."

Had she ever cheated on her husband? "Absolutely not."

Does she own a vibrator and does she use it?

"Yes, two, and sometimes when I need to I do."

The questions were personal, but not too personal. Until I hit on some sore subjects.

Do you like anal sex? "No, you pervert."

What would you rather do, watch someone have sex or be watched having sex? "Neither."

My questions soon were answered and it was time for some provocative photos for my collection. 

She was compliant, as if resigned to the task. 

The first photos were R rated. Upskirt shots, photos of her going up the stairs and sitting at a desk. Of course the camera caught more than the naked eye. Panties and thighs, nervous faked smiled. 

Soon we escalated the action. I posed her in the arm chair, her legs wide but holding her panties apart between them. Wow, she had a hairy bush!

I took several of those shots, including one with her panties dangling off one leg. Another she was pointing to her pussy. The most embarrassing one was her sitting with eyes closed, mouth open and tongue out, and my cock just inches away. 

It took some doing to get her to allow this shot, but it was perfect. She appeared to me licking it from the shot, and I loved it. I tried to pose her in the same positions I had posed Jessica and later when I compared them I had gotten pretty close. How hot is that?

She reminded me she wanted all the photos when the loan was paid back. I agreed, handed her an envelope with the cashed, and hoped she couldn't meet the interest payments.

* * * * 

Four months later we met at a local coffee shop. I had given her a 30 day grace period, but today she said she didn't have the cash for the first repayment.

"Times are so very tough. The calls from collectors keep coming. Tom still hasn't found work, and I just don't have the money. If pay you back, I can't pay the bills."

Reminding her of our agreement was easy, getting her to pay some non-cash interest was a lot harder. 

"I bet Cheryl would not be happy to hear about the loan and how you are blackmailing me," said Marsha, a smug look on her face. "She wouldn't like it!"

Nodding, I agreed. "But I think your principal would probably enjoy the photos of you licking my cock. Or better yet, maybe the senior boys who are over 18. They'd like to see a MILF like you in action."

"You bastard. You wouldn't dare."

Simply staring at her, I let her mind wander before responding. 

"Marsha, we had an agreement. I went to a lot of trouble and effort to get the money for you, and this is what I get? I am in big trouble if you don't repay me. So if that's what it's going to be, the photos will be emailed to not only your boss but also friends. Hell, may I will just leave some at the principal's office for the secretaries to see, or maybe put on the windshields in the parking lot...your choice."

The woman hemmed and hawed and ultimately came around to my thinking. I'd keep the photos private. She'd help me out a little.

A little while later we were in my car parked by Sunset Lake. I parked way down the end, totally away from traffic driving past and far enough down from the entrance to get presentable in a hurry if we needed to do so. She reminded me of our deal. 

"I will jerk you off, but this is between us, right. Nobody will know. And you will put on a, uh, condom, so I don't have to actually "touch" you. Right?"

Absolutely. That was the deal. My sister was going to jerk me off, right there in the park. Oh, yes, I agreed to a rubber so that she'd be able to say with certainty she'd never touch my cock. Sort of like the former president's saying he didn't have sex with that woman. It's all about the definition, and she really wasn't going to actually touch me. Hopefully my dick wouldn't know the difference.

Getting down to business, I unzipped my pants and lowered them and my boxers just enough to get my dick out into the open but able to be pulled up quickly just in case. Marsha looked away as I got ready for her hand action, but I was having none of that.

"Watch me," I demanded. "It will help me get hard." Actually I was hard already, but still she looked as I stroked my cock. "Open your blouse." "That wasn't part of the deal..."

"Do it," was my firm reply. "It will help get me off quicker."

She opened her blouse and exposed her lace light blue bra. Wow.

I looked at her beauties and my dick twitched. This was great! Good old sis had nice tits. Reminded me of her sister's tits, only a little smaller.

Rolling down the rubbed on my cock I noticed she was now watching intently each of my actions. "Do you like what you see?"

Looking away, she spat, "No dammit, no I don't. I hate you for making me do this."

Whatever. I wasn't the one who would be jerking me off in a car in a public parking lot. 

After a short eternity she reached over and tentatively began playing with my dick. She was clearly not practiced, and I knew she'd need help. "Do you have any hand lotion, or something slick?" 

She reached into her purse and coated her hand and the result was immediately felt. Her hand began gliding up and down my twitching cock. While not massage girl talent, it did feel okay. And after I asked her to put something moist on her hand -- she had some hand cream in her purse --- the stoking motions and sensations not only improved but became intense.

Soon I was rocking my midsection to the tune of her hand job. 

At first Marsha would stroke while her head bobbed around ensuring no prying eyes were nearby.

After a bit of this she realized that the hand job lost a little when she was looking around, so she concentrated on the task after ordering me to look out. It was clear she was going to get me off and get it over with as quickly as she could, which didn't bother me in the least. Her hand was seriously stroking now, and the sensations were very, very nice. I watched as her boobs shook while she stared at my bulging cock.

Out of the corner of my eyes I saw an older gentleman walking his dog and started to pull away, only to figure he would understand if he saw us. What guy wouldn't? So I let my sister stroking while I savored her stroking. I only missed a little beat when I saw he could see us. The guy did a double take from maybe 40 yards away as I put my finger in front of my mouth to shush him. He gave me the thumbs up!

Knowing he deserved a treat, I reached under Marsha's bra, lifting it up. He caution flew into the wind when I told her I'd cum quickly with just a little more help. So there she was, in the front seat of my car, bent toward my cock with her twin beauties exposed.

I felt them as she stroked my cock off with the older guy watching. He's maneuvered a little closer, out of her view of course, and smiled at the scene. He stood there, watching me get jerked off in a parking lot. Smiling. 




My Niece Needed a Loan Ch. 04



Marsha's ministrations were superb. She jerked the dick with practiced hands. She stared at my cock while moving a hand up to her tits and rubbing them. I think she might be thinking about the scene when she used one of her vibrators one night soon. That thought was all it took to get me over the edge and soon I was filling the rubber up with my pent up man sauce.

Surprisingly Marsha didn't move right away, she continued to stroke as I played with her tits, luxuriating in the aftermath of a fine hand job. Soon, though she pushed my hands away while still pulling and playing with my spent cock. I sat back in my seat, slipped off the condom, as Marsha sat back on the passenger seat. That's when she noticed the older guy staring at her, letting out a scream.

"Ahhh, he saw us," cried out the girl, pulling up her bra cups and blushing beet red. "Tell him to go away."

"Oh, I think it's too late now," I said. "How did he get there, I never saw him." At least that was my story and I was going to stick to it.

The guy clapped his hands, gave another thumbs up sign, and restarted his way.

Marsha was mortified. "What if he tells someone," said the embarrassed girl. 

He seemed innocent enough, I said, and he really seemed to like what he saw, so I wasn't worried about being a tattle tale. We watched as he walked away, and after a big Marsha actually laughed and said it was kind of hot knowing he'd caught us in the act. "It's just a good thing he wasn't a cop," said the girl. 

"So Marsha, that was awesome. How did you learn to do that so well," I asked.

My sister lowered her head and I could tell she was blushing, She mumbled something, and then looked at me.

"Well, if you need to know, I sort of had a reputation in high school. I didn't have sex with guys, but I'd jerk them off. I guess I had a reputation. Hand jobs and nothing else, but high school guys didn't care. Most of them begged for dates. I guess the guys talked about me in the locker room. Actually, it was kind of disgusting, but it worked. I had a date every Saturday night."

Shaking my head, I said that I would never had guessed she was the Hand Job Queen of Archbishop Prendergast! Wow, miracles never cease.

We talked for a couple minutes before heading back to her car. 

"Not a word about this, right, Rob?" insisted my sister.

"I promise, Marsha, the only person I could ever tell is that guy at the park! Otherwise my lips are sealed." 

* * * * 

In retrospect, I knew Marsha and her good-for-nothing husband Tom wouldn't be repaying me any time soon. As time went all I realized he was not really looking too hard for a job. I heard he had an offer, but he turned it down because it wasn't enough money. How does a guy without a job turn down a real job with a real salary and benefits in this economic environment? 

Marsha did work overtime and her husband did do some under the table painting jobs, so their cash position improved a little. Improved enough for me to at least get the next quarterly interest payments and even a small principal payments on time.

On one hand I thanked my lucky stars for getting some repayment. And it was great embarrassing Marsha at family gatherings afterthought a couple times I feared I'd pushed too far and she'd blurt some acquisition. Still, life brings surprises. One of those came in the way of a phone call from by sister.

It was short and to the point, "So, do you want another hand job?" I couldn't believe what I was hearing. When I didn't answer she asked again. I feigned something about the phone connection being but I did say I was going to the local coffee shot.

I couldn't be too careful, and if she was taping something, or someone was listening in, I didn't want anything incriminating. It sounded too much like a set up. 

Heading over to the coffee shop I saw her drive in to the parking lot. She was alone. 

She entered the shop and sat down. There wasn't much in the way of small talk. "I'm desperate, his car broke down and we don't have the money to fix it unless I don't pay you. I don't want to do, you know, again, but I am willing. Please Rob, cut me a break."

Sometimes you make a quick decision, sometimes you deliberate. I said I'd think about it, but that I needed her to keep Saturday blocked off. Cheryl had an all-day certification session, and the house would be clear. I had an idea!

Saturday came around and everything was in order. I had my video camera ready, the basement perfectly set up, and my mine scoped out endless directorial possibilities. Marsha was going to give a command performance worthy of an award after a stride up the red carpet.

I had told her to wear a short skirt and tight top and she didn't disappoint. She looked great. I told her that in two hours her next two payments would be credited, and there would even be a little extra payment for her. Cold hard cash. She thought for a moment, took a deep breath, and said okay. "I'm not going to fuck you."

"I know. I wouldn't think of it," was my quick reply.

I directed her to the pool table and had her sit back on it, allowing me to take upskirt shots (I loved as she feigned a nervous smile with her finger inside her panties). Then sans panties, spread open for me. I mean, she was smuttily holding herself open for the camera. 

Up next was a shot of her kneeling on the table with her flower print blue skirt flipped up and ass bare as the day she was born. Outstanding shots. Along the way I clicked on the record button of the video. I moved her to an arm chair where I had her legs spread over the arms offering me a great shot of her hot pussy.

"So Marsha, I have $500 bucks over there in that envelope. I know you won't touch my cock. But it's yours for 15 minutes of your time. This is a one-time only offer. Two payments credited, and $500. You won't have to touch my cock. But I don't want and discussion. Just a nod of your head yes or no. Okay?"

Confused, she thought for a second and then nodded her head.

Sitting in the arm chair, the one which earlier she had been legs spread akimbo, I asked her to sit across from me. We talked for a couple minutes before I announced the deal. First, I took off my pants, leaving just my boxers on. Then I reached over and offered her a couple condoms. "This one's strawberry, this one's banana."

She looked at me as if I was speaking a foreign language. 

"I want you to suck my dick, Marsha, that's the deal."

She stared at me. "That's disgusting...No fucking way."

I shook my head. "Wrong answer. Come on, Marsha, this is easy money. That's the deal, you can use a rubber, and you won't really touch me. It won't be, well, like a real blow job. It will be sucking a strawberry or banana."

Two pair of eyes stared at each other. Neither one gave for the longest of times. She tried to convince me a hand job would do the trick. I declined. Then she looked at the money, thought, and then put her head to her chest.

"Okay, I will do it. I don't have a real choice. But I have to tell you, I don't know how to do it. I've never given one."

Smiling, I knew. She was indeed desperate. I was getting a blow job from the Ice Princess. 

This was the jackpot I'd been waiting for. My sister sucking my dick. Oh, the rubber would protect her mouth from my bare cock, but it would still be a blow job. 

I flicked on the TV and we watched a young porn star suck off a guy, and Marsha's eyes bugged out. 

"That is really disgusting," she said, watching the guy cum on the lily white face of the actress. 

I had sat back in the arm chair, pants down but boxers on, right in the line of sight of the camera. Directing my sister in front of me, I ordered her to remove her jeans before she knelt down between my legs. "Just like the movie, Marsha, nice and easy, but you won't get it on your face."

It had been a week since Cheryl and I had buried the wiener, so just the actions of my sister brought me to full attention. She saw my cock blossoming and bulging my boxers, and shook her head. "You are not only disgusting, but a real cad. I hate you!"

Smiling, I nodded my head. "But I don't suck cock, and you do, young lady....get with it."

There was a short silence, and then she reached over and lowered by boxers. My cock proudly was unveiled. I held out the two condoms and she picked strawberry, carefully opening the packet. "You put it on; I don't want to touch that, that, that thing."

Making a production of it, I slowly rolled the sheath down my hard cock. Holding the stem, I waved it around a little and smiled. 

Marsha wasn't exactly anxious to do it, but soon she was bending her head forward between my legs. 

"Lick it all over first before you suck it, take it slow Marsha and it will all happen a lot faster."

The girl took direction well. She licked by cock up, down and all around, and even with the rubber on I could feel her heavy breathing down there.

She looked marvelous. She worked her tongue over my cock as the rigid man meat pointed toward the ceiling. 

"Okay, slowly kiss the tip and then work your lips down the cock Marsha."

Like before, when given direction, she followed it. It was almost as if the responsibility for doing naughty things was out of her hands as I, the director, was the boss. She did as she was told. It was hot.

Marsha kissed the tip of my cock, moving her tongue around the top of the rubber. Then she moved her mouth a little tighter and lowered her lips around my cock. Once securely riveted to the tip, she slowly moved her lips down the stem, taking a couple inches into her mouth before moving her head back up toward the tip. 

"Oh yes, Marsha, you are a natural born cocksucker," I said, causing her to pull back. 

Good thing my hands were behind her head holding in case. "Marsha, that feels so good. Oh that's hot."

Tentatively she resumed her mouth actions, slowly moving down my cock.

"Hold the base with one hand and work the tip with your mouth honey....oh, that's it, that's it. Just like in the movie."

The girl learned quickly. I can't believe she'd never gone down on her asshole husband, but that just made our actions hotter. She analytically was giving head, I mean, she almost had to herself, go up down, go down now, lick here and then there. But her nervousness just made the act so much hotter.

My sister was sucking my cock. Sucking my cock for money, actually. Wow, what a whore! The thoughts sent shivers all over me and made my toes curl. This was not going to be a long sensuous blow job, but rather a teenage quickie that would cause me to blow off quickly.

I attempted to prolong the blow job that effected all senses, but shit, she looked to sexy nestled between my legs, bobbing her head up and down. It was an awesome view, and the feelings on my cock were intense. I thought of the times she had complained to Cheryl about my lack of sprucing up the house, at how she said my wife's two-year-old car needed to be upgraded. How everything I did wasn't as good as her perfect husband. Well, all of that might have been true, but she was on her knees sucking my dick. Stroking it, kissing it, sucking me off. 

"That's it, Marsha, that's so hot. Start jerking me off from the base while you suck the tip...yes, a little harder...yes that's it."

Completely losing it in her blow job technique, my dick started to explode. She knew it and intensified her sucking. I have to say that once she got into it she was marvelous. My dick blew in her mouth as I rocked her head up and down my cock. Somewhere in there she tried to pull back but I kept her working all the residue of baby batter dribbling out of my dick. Even after I was spent I kept her working there. Hey it was a "job". 

Finally I let her slip off and move back. "That was awesome!"

She was somewhat stunned, yet still somewhat proud that she'd accomplished the feat. "You are still an asshole," was all she said. 

That pissed me off, because I was the one helping her out. "Yea, I'm an asshole, but you are a cocksucker!"

The tried to slap me, but I blocked her swing.

"Come on, Marsha, that wasn't so bad. It felt great and look here, the cash I promised!"

Marsha looked daggers at me, but saw back on her haunches and nodded her head. 

"You were right. That wasn't all that bad, but don't you ever think I liked it, and it is a disgusting, humiliating act. Besides I never even touched you."

Yea, right. That's a good way for her to think of it. But it was a blow job, no doubt about that!

A couple weeks later I saw Jessica at the Mall. 

We stopped for coffee and exchanged how to dos and what has been going on. 

She leaned over and asked if I was "doing" Aunt Marsha? 

Feigning ignorance, I said of course now. "Uncle Rob, I know you, and I know she's gotten some help. The have some found money. Believe me, I know the symptoms and have been there. And you know I can keep a secret. Besides, she's a real bitch. She's treated me terrible for years, Constantly calling me names, probably deserved, but just not something nice.

I nodded my head. She knew I was getting to the Ice Princess Marsha.

We moved to the parking lot, to my car, and continued our conversation.

"You know, Uncle Rob, she's been a bitch for years and I'd like to help you put her in her place. I'd like to watch youand her together. I could film her, or if you like I could merely make her uncomfortable."

Shaking my head, I told her I didn't think it would be wise.

Jessica had other ideas, reaching over and stroking my dick through my pants. 

I got the idea. Driving to the top floor of the mall parking lot, I found a secluded place away from prying eyes, one where I could see if someone was coming and we could quickly get presentable.

Unzipping my pants, my cock sprang out and Jessica slithered over and started munching on it. Slowly then quicker, stroking and licking. Sucking cock with practiced actions. 

Damn I had missed her mouth, and I loved her actions. Reaching over, I played with her ass while she bobbed her head up and down my dick. Maybe it was the location or the surprise, but probably because she was suck a talented cocksucker, I soon lost all control and shot off into her mouth. Jessica never missed a beat, sucking away until I was totally spent. 

Then she lifted her head and showed me the cum, just like in a movie. Satisfied I knew she had collected it all, she made a production of swallowing it. Then she wiped her lips, smiled and thanked me. 

"That was awesome Uncle Rob, you taste wonderful." Damn, that girl knew what it took act the part of a total slut!

Holding her close, I thanked her for her wonderful ministrations, but then asked what she really wanted.

"How about this, I watch you two together. But you get her to let me spank her. I want to teach that bitch a lesson! She's spent years dissing me, causing me trouble, I want to spank her ass."

Smiling, I thought about Marsha and her desperation. I thought about Jessica's wonderful lips. This wasn't a tough decision.

"Consider it done!"