Confirm your 401(k) plan rules with your plan administrator
Check whether you are eligible for a withdrawal, loan, or hardship distribution
Log in to your 401(k) account or contact the plan provider
Request the distribution or loan form
Select the withdrawal type you want
Enter the amount you want to take out
Choose where the money should be sent
Submit any required documentation
Review tax withholding options
Confirm the request and wait for processing
Report the withdrawal on your tax return if required
Repay the loan on schedule if you took a 401(k) loan