<prompt> Human: I am in need of about 3500 to repair my car. I could get a personal loan with about 8 interest and pay it off within 6-9 months or so. Or I could take the money out of my HSA account and pay myself back before the end of the year. I have plenty of money in the account to cover my high medical deductable. Also, my employer contributes all of the money to the account. My specific questions are:1. Is this allowable by law? I know I pay a penalty for early withdrawal, but I wont have to pay taxes on it if I repay the account, right? Also, what is the deadline for contributions, end of the year or April 15 of the next year?2. Am I allowed to repay my account? There is a maximum for contributions, not sure what it is. Would the contribution max be just for my personal contributions or would it include my employer contributions as well?3. If all of this is allowable, can I just use my HSA card at the mechanics shop just like a credit card, or do I need to be sneaky about it and withdraw the money directly from the bank?  <response>: If you use HSA funds for non-qualified expenses, and are under 65, youll be taxed on the money you use at your income tax rate and assessed a 20 penalty.SourceYoure getting tax benefits on that money for the purpose of using it on health care expenses. If you try to be sneaky and do it anyway while trying to avoid taxes and penalties, youll be committing tax fraud. tl;dr: No. 