Springleaf (now OneMain) was the only lender that would even consider re-financing my truck let alone giving me cash out to consolidate other debts. My score isn't all that good and Springleaf was able to help me.
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If you really really really need to get a loan from Springleaf who is now One Main then by all means do what you have to do. I was one of the ones who really needed it to move after my husband left so they put a lien on my car and the interest was beyond anything I have ever seen. It is basically a very expensive payday loan that is paid monthly and over an extended period of time. The interest was outrageous. Like a form of predatory lending. If you can avoid it then please do. As an accountant, I knew better but I had to do what I had to do for my kids and I was already in a bind so they got me with it. I did what I needed to do. It is paid off now.