A great way to pay off auto loans and credit card debt is to apply for one of the many personal loans that are available.  You can go through a debt consolidation company that you may find online or in the yellow pages or even through word of mouth.  Many people have found the need to apply some sort of debt help in the present economy.  Personal loans are easy to get, often requiring no credit check and if you apply online, they can be deposited into your bank account as soon as 24 hours after you have applied for the loan.