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Can You Borrow From IRAs?

You can temporarily access your funds, but it isn't always the wisest choice.

By Lyle Daly – Updated Apr 3, 2025 at 7:12PM

Key Points

  • IRAs don't allow traditional loans, but you can use the 60-day rollover rule to withdraw funds temporarily.
  • Roth IRA contributions can be withdrawn at any time, but early withdrawal of earnings usually results in a penalty.
  • Failure to return funds within 60 days usually results in taxes and penalties.
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