It is easy to find yourself in a downwards spiral if you end up in the loop of getting personal loans to pay debts, and then needing to borrow again to pay off those loans. Some people continue along this dreaded path, getting into more and more trouble as the amount owing and interest payments increase exponentially.
A rule of thumb that I use when borrowing money is mainly to check and see if what I am borrowing money for is a long term asset that will hopefully increase in value over time, e.g a house. If it is something like a car then you should really try and save the money for it, if you need to borrow to buy a flash car maybe you should be asking yourself if you can really afford such a vehicle. It would be much wiser to settle for a cheaper more affordable vehicle.
One way that you can improve your situation is by debt consolidation of your existing loans. This is a good way to save money on interest if you are committed to clearing your debts.