Have you thought about getting a personal loan rather than using your credit cards? The interest rates charged for loans can be less than rates on credit cards.
Never sign a loan agreement without first carefully reading the terms and conditions to ensure you are getting the type of loan you want. Look further than just the nmonthly payments, it is the total cost of the laon you should consider and compare against others.
An unsecured loan may be a your only option if you are not a homeowner and cannot put up collateral as security. You may have to pay a higher rate of interest to compensate for that extra risk. There are still many lenders who will accomodate this market.
Although most lenders advertise an APR you may not qualify for this rate if you don't meet all the lenders criteria.