I would try not to if at all possible. I have been through this. Up until this time last year my dh was getting personal loans just to pay the bills. I really didn't know (still don't) where all the "bill" money was going. So we'd get behind and he'd go to one of those crappy loan places and put us further in debt. We had 3 PL that totaled about $6000; the average interest rate was 28%! It was just a horrible cycle.
Are you a CU member? If not, try to join one and apply for a unsecured loan. Dh & I did this and were very surprised b/c they did approve us. The CU gave us enough to pay all 3 off at a 11% rate. It's great b/c it lower the payments $250 a month and we'll have it paid off sooner. Good Luck!!