Hi,
I'm in a similar position in that I have a loan and a large amount of credit card debt. I''ve decided that I'm going to wait until new year so see what the interest rates are like for loans before I decide what to do. However, as far as I know from previous advice, think very carefully about re-consolidating an existing loan. This is because you've already paid a higher proportion of the interest within the earlier part of the loan agreement, they work on a sliding scale. What I've done in the past is run an existing loan against a new loan. The new loan taken out is to consolidate credit cards. In effect one loan finishes before the other, if you can afford to do this, at least you can look forward to freeing up some money at some point once your first loan is re-paid. I don't know how long you have left on your current loan and what period it was taken over etc,
The other thing you could do is find out your loan redemption figure and see if you can get a loan over the same remaining term for a lower payment to what you are currently paying.
Have you considered a transfer to a good 0% credit card, this site and MSE will show you the best deals, The Vigin credit card deal amongst others. You might not get the full credit limit you need to enable total credit card debt transfer but it could be worth a try..
As for the rates quoted on loan comparison sites,those quoted aren't always what you get it depends on your credit score apparently.
Hope this helps and makes sense.