Colo Bob's advice is spot on.  If you are finding the (relatively) small debt on your credit cards to be a burden, it would absolutely be a bad idea to start taking out secured loans.  It seems an easy option, it might (in a small amount of cases) mean that you're onto a winner, since you repay over a longer period and typically less of that is interest each month (in terms of ratio... capital repayment vs. interest fees). 

However, without exception it's usually a bad idea to go down this route because people find themselves slipping further and further into debt with no real idea of how they got there or how else they can fix the problem.  Don't go past that line right now - you have a choice whether to step back.  Especially since two things jump out from your question... that you don't really clearly say how you "need" a car... there are different levels of need, if you just don't like the public transport or some trivial matter like that then it's a no brainer, which is what I suspect since you didn't provide any more detail on this "need". And the second thing is your wording - forgive me if I'm reading too much into this - but you're "thinking"... good that you're pondering but again suggests no real desperation.  It's a Want, not a Need - that's what your wording screams to me.

If you want more information on why it's such a bad idea debt consolidation I recently did an article on this very topic on my website, check the link if you want.  But in 90% of cases consolidation is a bad idea, most people go into it without really understanding the implications .  It can be a great option, but not for everyone...