Your mind gets transferred to a robot body with modular genitals after an accident, but you have to work as a "display model" to pay for it. Until you've fully paid for it you're still the property of the company that made the body.
You are still viewed as a human being however, and the employees aren't heartless. You can pick the genders of who you work with, like who you "film" with or who does your intimate repairs, and you can compromise on what you do to pay off that debt. It could be hardcore porn or simple photo shoots with your "add ons". However, while sleeping with people will get you free in a year if you elect to sleep with both sexes and test experimental "mods" regularly, but only doing the minimum work required (having photos taken of you and your lewd parts tested in laboratory settings) will pay far less and it'll take at least a decade to own your body. Only sleeping with one gender can still pay your debt in less than five years if you're a bit more explorative with what you do during the shoots, perhaps try some fetishes new to your robot body. Until you own it, you are required to live in a lab and get permission from higher ups to do anything sexual with non company affiliated people, so all non business sex will be planned ahead of time (they can't risk you damaging the body). All money you earn during this time will also go towards your debt, but you can and may be given things by friendly employees and you can keep your belongings, though your room in the lab will be small.
However, once you're out of debt, you can elect to keep working for the company to make a living, and a damn good one at that. Who knows? Maybe you'll have made some friends in that lab by the time your debt is paid.
(you are put in the robot body in a way that does not bring up any existential questions as to if it's still really you, probably magic or something)