I have a balloon cash payment coming in June but I need to replace one of my cars in the next month. Instead of doing a loan could I do a withdrawal from my 401K and as long as I pay in back within 60 or 90 days could I avoid the taxes and penalties? I can't find anything online if that is an option. I am trying to avoid the loan origination fees that I would have to pay for the 401K loan option.