Related is the typical financial advisor advice not to ever take money temporarily from your IRA to payoff consumer debt/loans. That is NOT the best advice. The reason they "advise" against such a tactic is to assume that everyone has no amount of self control to actually replace the IRA borrowed funds in time to avoid a penalty caused by not following the strict requirements of the "60 Day Rollover". We often used IRA funds and repaid them to payoff USAA car loans, equity loans, and a boat loan very early. We always replaced the IRA funds within the time limit for no penalty.
Sometimes you can secure a temporary good deal on some consumer product or for emergeny use by tapping that IRA and paying it back within sixty days. As long as you have a definite, workable plan and the self control to replace the funds back into the IRA within the time limit it is a handy strategy in order to avoid the daily rackup of interest on a consumer loan. Be certain, should things go pear shaped, to understand the penalties involved.
For all the details search: 60 Day Rollover, IRA