What are the APRs for you current credit cards ? If they aren't significantly higher than 19.9% then I'd suggest you might be better paying as much as you can to the one with the highest APR and the minimum to the others and then reduce the credit limit on the one you are paying off so your available credit comes down and you can then think about getting a 0% card in 6 months or a year when you've started to make inroads into them.
Doing it that way also gives you the flexibility to pay a bit extra when you've got the cash - bonus, payrises, christmas presents, last two months when there is no council tax etc. Make sure you've cut back on uneccesary expenditure as well - limit the takeaways and meals out, make your own lunch rather than buy sandwiches, don't buy coffee from starbucks etc - and you'll find your debt free day comes closer.
The danger with loans is that it is very easy to start using the credit cards again and ending up in double the debt. If you've had at least 6 months without adding to the credit card debt and are prepared to cancel them all if you got a loan (maybe keep one for work expenses that is paid in full each month) then the loan may be the better option but that indicative APR looks high.