Hi, I am not good in managing finances at all, so I will explain my situation and will appreciate your advice on it.
We live in Seattle, and have a 2000 Toyota Camry which I bought in 2006 July taking a loan of $7500 from a credit Union, 7.9% APR. I am paying $200 per month (min payment required for 4 years is $180.) . I still have to pay almost $4000 on that. Also the loan on my credit cards combined is about $6000. Mean time there is a new development on my job, so that we have to move to New York by the end of this year. I am planning to sell the car and will not keep a car in New York city. My car has a mileage of ~125K, and probably will get a price of $5500-$6000 on a good day. So here is what I was planning to do. Take a personal loan of $10000, pay off my loans. Then sell my car, pay off most of the loan at once. When we are in New York I will have no expanses on the Car loan, and insurance and gas price, ie ~$350-$400, which we can put in the personal loan.
I am thinking to pay off the car loan by taking a personal loan because if I still have $3500 car loan to pay off before I sell the car, then I am afraid I will not get good price simply because of the complications of transfering the debt. Please let me know if this is a good plan to pursue.

PS: I dont know my credit score, but I think it is reasonable.

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I would sell the car and move the CC debt to 0% offers if possible. You should be able to use the leftover car money and payment to pay the CC off in less than a year. I would not take out the loan, unless you are not able to transfer the CC balance to a 0% offer. The loan should only cover the remaining CC debt.