You technically cannot take out a loan against your IRA. You can do a withdrawal and payback though - I believe there are some tax considerations / early withdrawal risks

Maybe, but have you tried getting a loan approved with no income?

Its a loan against yourself

Banks still want to see evidence of your ability to pay it back.

401k “loans” are a misnomer. There’s no underwriting or leverage. It’s an unpenalized withdrawal with payback (as opposed to regular early withdrawals, which are penalized).

As discussed upthread, 401k loans are not generally accessible to unemployed people.