Two loans that equal about 10k, but I’m not eligible to increase one of my loans or get another loan without paying a ridiculous amount of APR. What should I do?

I have roughly 10k for two loans that will be paid off in 2 1/2 years, but I’m shy of 4k for a new car and I’ve tried to speak to people from the two places I have loans with and I’m not allowed to increase either loan and eligibility checks online show that I’m only eligible for something like everyday loans which has a ridiculous amount of APR to pay back.

What should I do? What are my options?

I’ve never pissed any payments for either loan, so why am I not allowed to increase either one by a few thousand pounds? It’s not like I’m asking for 20+k.