Guidance on debt consolidation

Hi everyone! I need some guidance on my current situation. Well..I have approx. $8,000 in credit card debt that I'm working on paying...however, I am in need for a vehicle as well...Well, I got this thing in the mail stating I could consolidate my debt and use the extra money for other purposes..for example, I could borrow $10,000 pay off the $8,000 in credit card debt and use the $2,000 to buy a car. I can pay the $10,000 back in 3-6 years depending on the option I chose...at a fixed monthly payment schedule. I would greatly appreciate any guidance on how this will affect my credit if I did this and if this is a good or bad idea to accept this offer...Thanks so very much for any help!!