Debt Consolidation and Loans...?

If you can swing a loan for $15,000 you'll probably be better off in the long run. If you're getting a loan for the car you're not going to get a good APR regardless of credit just because the value of the loan is so low that they will charge a higher APR to make money. Since your credit is good try to push for 10% or lower. Over 5 years that would give you a payment of $320. You already pay about 10% on one and maybe more on another. I'm guessing your take home is somewhere around $2,200/month so after rent right now you have about $1650 left for other expenses, back out $350 for a loan and you're down to $1300. It's getting lean at that point after you tack on car maintenance, utilities etc. If you need a car right now then there isn't much you can do but if you could squeeze by without a one for a year you could pay off one of those credit cards or close enough to pay off. That might put you in a slightly better position. Another option, but a riskier one would be to buy the car then see if you can get an introductory rate for balance transfer from a credit card for 0% for a year. I had one from Citi Bank that after the year went to 9.99%. If you did that and paid off $350/month you could have the whole lot paid off within 4 years. But that option includes a lot of if's and I don't recommend it.