I own a 2005 VW

You need to contact some lending company that offers loans. This website does not give any loans. Your scores will be keenly observed before the loan company grants you new credit.

You can also pay your debts without taking a new loan. In case you default in the loan payments, your vehicle will be at great risk because the loan company will try to recover the money from the sale of the vehicle.

In consolidation, you don't need to put any collateral. You set an easy repayment plan with the consultant and he will get all your debts paid off with your creditors. You will also get the benefits of lower interest rates and an easy plan. Talk to a consultant about your available options.

Trenity makes a good point. Credit cards are unsecured debt. Putting your car up as collateral for a new loan turns all that unsecured debt into secured debt. Then, if you run into problems in the future and can't make the payments, you risk the car being repo'd.

Also, since the car is used you probably won't get a secondary lender to give you 60 months on it. You'd be looking at more like a 36-48 month term. Payments on this account are going to range from $400 - $500 per month (maybe a little less with a good rate). That may be more than you're already paying per month to your credit cards.

Even if you can afford $500/mo, I would say just keep paying the credit cards directly. Make it a point to a) not put any new charges on the cards, and b) pay at least $50 more than the minimums. You're not going to get them all paid within a month, it may take you 4 or 5 years to get it paid off.

If you are sure you want to put the car up on a new loan, look in the phone book for finance companies. American General, Beneficial are some nationwide companies that do secured loans like this. Call around, ask questions, check with the state to make sure they are licensed.