I think it would be hard to get a lower rate than you have on your credit cards. I went loan shopping with a few different sites and Lending Club has a pretty high interest rate, as does Prosper. If your need is great and so is your faith in your ability to recoup the money to pay the loan then do what you need to do. But if your credit is OK you might be better off opening an account at a credit union, for instance, and applying for a card or loan from them.