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IRS Publication 590-A specifically says borrowing from your IRA is a prohibited transaction. But, if you only need the money for a month or two, and are certain you can repay it, you might be able to access the funds in your IRA without tax consequences.ne way to move money from one IRA to another is a rollover, where you take a distribution from one account and then, within 60 days, redeposit the money in another IRA.
-- Alex Advance. Dear Alex, This is an easy one: The answer is yes, you may take a 60-day loan from your traditional IRA interest-free. But some care is called for here. You must be sure to pay the money back into the same account or another traditional IRA within the mandatory 60-day window.The count involves calendar days, not business days.ou also cannot make a tax-free rollover of any amount distributed, within the same 1-year period, from the IRA into which you made the tax-free rollover.. The good news here is that you can take a short-term loan. Be sure you follow the rules and you should be fine.