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Of course, markets can go up as well as down, so you could end up avoiding a 100 loss instead of a 100 gain. But even if you lose money, your lost earnings are almost sure to be less than the cost of a payday loan. Remember, a typical payday loan has an APR of more than 390, which would be nearly impossible to earn invested in the stock market for one year (the average annual return for the SP 500 has been approximately 11 since 1966).
And while market gains are hard to predict, the high cost of a payday loan is absolutely certain. Extra Fees. The interest you pay on a 401k loan, isnt really a cost, because it goes right back into your account.