I wish I could add to Jon Garvin's excellent answer.  This is just like his version but doesn't use method_missing (which is kinda scary in the global context and doesn't allow tab completion).  Also, it waits until you call load_fixtures from irb before loading your fixtures.
Insert this in your .irbrc or just paste from here.
# Loads all fixtures, then defines the Rails fixture helpers.
# For example: users(:jon) will load the jon fixture from fixtures/users.yml
def load_fixtures
  require 'active_record/fixtures'
  Dir["#{Rails.root}/{test,spec}"].each do |dir|
    Dir["#{dir}/fixtures/*.yml"].map { |filename| filename.match(/\/([^\/]+)\.yml/)[1].to_sym }.each do |name|
      ActiveRecord::FixtureSet.create_fixtures('spec/fixtures', name)
      define_method(name) { |*args|
        name.to_s.singularize.titleize.constantize.find(ActiveRecord::FixtureSet.identify(args[0]))
      }
    end
  end
end
Example usage:
$ irb
irb(main):001:0> load_fixtures
=> ["oweto/spec"]
irb(main):002:0> users(:chuy)
=> #<User id: 242462757, email: "chuy@example.com", password_digest: ...>