My fiance and I hit a deer in one of our two vehicles, totalling it. Luckily insurance covered the deductible and left us a little over $2000 in the form of a check.

We do need a second car, but we were kinda drowning in debt prior to the accident and now because it's totalled, we're saving $600 a month in expenses, but we're down a work-commute vehicle.

On top of the car being totalled, we have about $3000-$5000 in debt between 3 different credit cards(I know for a fact one of them is high interest, and I'm assuming the other two aren't any prettier)

I wanted to get a loan to pay for another car since the $2000 insurance cash won't cover much, but I don't want to be stuck paying full coverage on a vehicle that's financed.

I see some nice used cars on Facebook marketplace for around $4k in my area.

If I took out a personal loan for $7000 to consolidate my debt and help pay for 50% of a private sale car, would I need full coverage still on the vehicle?

Can I use a single loan for a car as well as debt consolidation? Like a dual purpose typa deal

What companies are best to look at for this type of loan? I'm really hoping to avoid an auto loan with full coverage so I can save money going forward.