Help! I need advice on cc debt and consolidation loans.

Okay so, I’m in less than 10k cc debt with BOA and AMEX. I have on time payments with AMEX but I ignored my BOA ccs and almost got charged off but I payed 1k each on them on time last month.

My credit score is 652.

My car is currently braking down and I need to fix it before it gets worse. It’s important I fix it soon because it’s my biggest source of income (i need to travel far and a lot). Unfortunately my bank statements would show my income as low because I work part time which would be $800. I make most my money by cash with side work.

I haven’t been able to make money because I can’t travel right now. So the only solution I can think of, and i’ve been needing to do it for a while, is to try and consolidate with a personal loan. I’m not 100% sure if that’s the right move? I don’t know how those work…

Credit Karma says I have outstanding approval odds for 6k personal loans. So I was wondering if I should find one(hopefully if i am approved) and pay off one card, a little bit of another, and use the rest to fix my car. Would this be possible? And if so what are some good places to apply to? Please help I’m so stressed. After I get my car taken care of I plan to find a better job that can show for future reports