How can I get a loan for $3000?

Here is my story. I had a car loan that was about $20,000 with intreast. I payed it down to $3000 working two jobs at minium wage. Im currently living with family and ready to move from LA to houston in my own apartment living situation is horrible. I work as an unarmed security officer. My credit score is 620 I have some unpaid medical bills and my student loans are in deferment owe 7,000. I have a dental credit card bill $900.00.I try to pay my bills on time. I got a job offer for 40hr at $10.25hr no overtime available with company. My car note is close to $400 a month warrenty $104.00 and rent $575 a month along with other major bills.I created a budget and know I need to reduce my car note until I can find a second job or get additional job training. I tried refiancing with with capitalone and advancial and got rejected due to not enough credit. Was told by banker I should apply for credit card and bill credit but dont have much time for that and im paying a dental card off. If anyone know a lender that may work with me let me know. I goal is to reduce my car note to maybe $200 or less a month.