I don't how much or even if you are expecting a tax refund, but have you considered using that to pay off as much credit card debt as possible? Borrowing money to pay off borrowed money is a recipe for disaster.
You have to have really good credit for any personal loan. Not to mention that interest is going to be just as high as those credit cards. It is simple, take the card with the highest interest rate and pay that one as soon as possible, then go down the list that way. If you don't have cash to pay it, don't buy it. In USA, we are very materialistic.
Check with a credit union, rates are usually lower atleast where I live that's the case