$2000 loan for 18 year old with limited credit history.. Where can I get it?

My credit score is about 650 - but I have little credit history. I would like to consolidate my credit card debt before it can become a problem that damages my credit (and to quit payin outrageous interest). I do not have any co-signers, but I have a car in my name worth $7000, no liens against the title. Can I (and where could I) be approved for a loan? I am a member of a local credit union.