Sorry, you can't take out a loan on your IRA

 Your active 401k may allow you to take approx 50% of your account balance as a loan.  If you have left that employer loans are generally not available.

 One legal way taxpayers have used to access their IRA money is by taking it out for a short-term need, and putting it back in within 60 days. It’s called the 60-day IRA rollover rule. Where you get into trouble is if you sit on it and miss the 60 day deadline for re-contributing the funds into an IRA. Again You can get a waiver of the 60-day rule in some cases, but it’s not guaranteed.

In a recent case, Bobrow v. Commissioner, the U.S. tax court in ruled that you can only do one 60-day IRA rollover in a 365-day period—not one 60-day rollover per IRA–so a taxpayer who did this maneuver with two IRAs was assessed penalties.