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Often it happens that when you are in the urgent requirement of money there is no one to help and understand you. The condition gets worst when at that point of time you are having a bad credit history because it is your credit history. The expense ratio does not include every type of fee that an investor may pay. Some mutual funds charge a fee to investors when they purchase or sell shares, for example. It's called a "load" payment. These have also dropped in recent years: Average load fees paid by investors are down nearly 75% since 1990, according to the Investment Company Institute. Think of payday loans like a medicine. They help you get better and get back on track when you need it most. No more worrying if the month did not pan out as planned or unexpected events led to you having to spend more money than you bargained for.
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