Could you talk to your credit union about two loans? Mine offers a revolving credit loan (like a personal loan). It works off a percentage of your savings to figure the top amount. If you used that loan to kill the credit cards and knock a little off the top of a new vehicle loan, maybe that would work. If they are your only debtor sometimes they are willing to loan more.
Just my uninformed twisted little thoughts.
(My credit union gave me a 5% loan. My friend got a 4.9% from her local credit union, she has a car and bike loan and over 20,000 in student loans).
