Spell
NormalLucky Loan
Archetype:
Fortune Fairy
View:
3417
Target 1 "Fortune Fairy" monster you control; Special Summon 1 Spellcaster monster from your hand or Deck, whose original Level is 1 lower than that monster's, also during your next turn after this card resolves, you cannot Normal or Special Summon monsters, except Spellcaster monsters. You can only activate 1 "Lucky Loan" per turn.
Lucky Loan — Power Evaluation
Final Score: 57 ± 6 · Confidence: Medium
- Intrinsic: 54 · Deck: 59 · Meta: provisional
- Primary role: Searcher/Tutor · Secondary: Combo enabler, Extender
Why it scores here
Lucky Loan is a dedicated Spellcaster tutor for Witchcrafter and Fortune Fairy decks, reliably searching for a Spellcaster monster one level below your Fortune Fairy target. Its value lies in consistent +1 board via deck search and seamless integration into Spellcaster-only summon locks that these archetypes already respect. However, it demands precise level-matching and is vulnerable to activation negation, limiting its resilience and flexibility. The modest 57 score reflects strong archetype-specific synergy (55% Witchcrafter inclusion) but absence of combo evidence preventing confirmation of how centrally it drives winning boards.
Axis scores
| Axis | Score | Evidence |
|---|---|---|
| Accessibility | 72 | Accessible in Witchcrafter (55%) and Fortune Fairy (25%) homes where Fortune Fairy monsters and valid Spellcaster targets at the required level are abundant, but requires both target and valid searcher (observed: 20 decks, 55% Witchcrafter) |
| Combo & Conversion | 58 | Summons one extra Spellcaster body; in Spellcaster-heavy decks the lock is no constraint, but single Special Summon represents modest board extension (inferred: text alone shows +1 board, no combo chains) |
| Resource Economy | 62 | Generates small card advantage when tutoring from Deck (net +1 board), or neutral when from hand; no recursion or GY refuel clauses (verified: Special Summon from hand or Deck effect) |
| Effect & Interaction | 8 | Pure tutor effect with zero opponent board interaction or disruption; does not negate, remove, or disrupt the opponent (verified: card text contains no negation or removal) |
| Material Utility | 0 | Spell card consumed on activation with no on-field persistence; cannot serve as monster material (verified: card type is Spell Card) |
| Resilience & Flexibility | 28 | Vulnerable to activation negation (Ash Blossom, Called by the Grave) and requires target Fortune Fairy in play; once-per-turn limit; no recovery mechanism (verified: 'You can only activate 1 Lucky Loan per turn' + standard negation vulnerability for Spell searches) |
| Deck-Building Efficiency | 68 | Slots cleanly into dedicated Spellcaster homes where the archetype is Spellcaster-heavy (Witchcrafter, Fortune Fairy); multiple copies viable (4 decks run 3); not splashable into non-Spellcaster decks (observed: 4/20 decks run 3 copies; 55% Witchcrafter inclusion) |
Calculation
Weight profile: Primary Searcher/Tutor. Intrinsic ≈ 54, Deck ≈ 59, Meta = provisional. Modifiers: none. Final formula: 0.40*Intrinsic + 0.60*Deck
Strengths
- Strong tutor effect in Spellcaster-heavy homes (Witchcrafter, Fortune Fairy)
- Consistent +1 board via deck search
- Self-imposed lock aligns with archetype's Spellcaster identity
- High deck inclusion in dedicated homes (55% Witchcrafter, 25% Fortune Fairy)
- Viable at multiple copies (up to 3)
Weaknesses
- Requires precise level-matching with target Fortune Fairy monster
- Vulnerable to activation negation (Ash Blossom, handtraps)
- No opponent board interaction; pure utility
- Cannot be used as monster material
- Once-per-turn activation limits repeated use
- Not splashable outside Spellcaster-heavy archetypes
Counters / choke points
- Ash Blossom & Joyous Spring (negates activation)
- Called by the Grave (negates activation, banishes)
- Effect Veiler (if targeting Fortune Fairy before activation)
- Removal of Fortune Fairy target before activation
Best use
Spellcaster tutor and board extender. Decks: Witchcrafter, Fortune Fairy, Altergeist, Super Quant.
Evidence & gaps
- Verified: Lucky Loan is a Spell card requiring a Fortune Fairy monster target; Special Summons one Spellcaster from hand or Deck with level 1 lower than target; Locks player to Spellcaster-only summons on next turn; Once-per-turn activation limit; Appears in 20 decks across 4 archetypes (Witchcrafter 55%, Fortune Fairy 25%, Altergeist 10%, Super Quant 10%); All 20 decks run it in main deck, zero in side; Card type is Spell Card (non-monster, consumed on activation)
- Observed: 1.45 copies per deck average indicates strong value in homes where it is played; Top partners are predominantly Witchcrafter cards (Madame Verre, Schmietta, Genni, Pittore, Collaboration, Holiday, Unveiling, Patronus, Masterpiece); 4 decks run 3 copies; 1 deck runs 2 copies; 15 run 1 copy (viable at multiple densities); 55% Witchcrafter inclusion suggests archetype-specific relevance
- Inferred: Spellcaster-heavy homes treat the Spellcaster-only lock as zero constraint; Level-matching requirement creates dependency on archetype's monster lineup; Deck search effect likely generates net +1 card advantage; Modest board extension (single Special Summon) without combo chains confirms impact; Not a generic staple due to Fortune Fairy target requirement
- Data gaps: No combos supplied — combo conversion is text-only inference; cannot assess how centrally it drives winning boards No guides supplied — no human context on usage, matchups, or strategy No banlist token — assumed unlimited (3 copies max) No usage statistics (StatisticsCard) — archetype inclusion % inferred from 20-deck sample only, not from larger historical dataset No Top Card rankings — cannot confirm metagame relevance or competitive performance No combo power indices — cannot validate how strongly this integrates into combo chains