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Did you check into any financing the doctor's office may have? Usually, they will work with one or two finance companies.
I'm really surprised especially because credit unions are usually more generous if they have a relationship with you. I gross 4700/mo, have a bankruptcy and charge offs, collections since then and my equifax was 631 and my credit union who I've been with 2 1/2 yrs approved me for $13,100 unsecured. I could have had 5-7,000 more if they didn't count student loans payments against me even though they are deferred for 3 more yrs : ( but the rate is 12.99. If you need the loan then go for it but 18.99 is steep as well.