Best balance transfer plan with a 628 credit score | Looking for advice

Hi everyone,

I'd be so grateful for some brainstorming. I didn't get a lot of education around personal finance, so I apologize if any of my questions are silly. I'm trying to learn. Here is my situation:

My score according to Experian is currently 628, and I have a little under 12k debt on two credit cards (9k with Wells Fargo @ 15.65% variable and, more urgently, 1.5k with PayPal Credit @ 29.64% variable). I make $350 monthly payment on the Wells Fargo (minimum is $200) and $50 monthly on the PayPal (minimum is $30). At that rate, both are projected to be paid off in three years.

I applied for zero-interest balance transfer card and low-interest personal loans, but because of my score and other factors, I got declined for Wells Fargo Reflect and Best Egg.

I'm a homeowner, but with my credit score the way it currently is, I don't want to apply for equity or a refinance.

I own my 2013 Toyota, so I tried to look for vehicle-backed loans and found some. Is this a good idea?

So far, I got approved for a $1k limit Chase Slate (21-month zero-interest) and a $3k limit Capital One Platinum (high interest, just did it to widen my available and unutilized credit). I thought I could transfer the PayPal to the Chase Slate, but now I'm reading that PayPal is a nightmare when it comes to balance transfers. I don't see the point of transferring any of the Wells Fargo, since the rate is lower.

I'm confused by Achieve, because they ask you to call them, and once you get someone on the line, it says "Freedom Debt Relief." Is it some sort of Scam?

Prosper is offering me the following two options:

Option 1:

Cash to you: $10,921.20

Total loan: $12,000

Mo. payment: $402.37

Term: 3 years

APR: 19.37%

Origination fee: $1,078.80

Option 2:

Cash to you: $12,000

Total loan: $13,185.36

Mo. payment: $442.11

Term: 3 years

APR 19.37%

Origination fee: $1,185.36

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Given all this… How would you tackle this constellation of factors? Keep paying off and focus on the higher-interest PayPal line first? Forget about consolidation or balance transfer? Or am I missing some smart way to pay this off in chunks, since I'm making about $400 of payments monthly anyway?

Thank you, SO MUCH, in advance.