Want To Consolidate By Credit Cards With A Loan But Have No Home And Poor Credit Score, How Do I Get One?

First, don’t just go around applying for loans at every bank around. Every time you apply for credit, the lender pulls your credit report to see whether they’ll approve you or not. This is called an inquiry. Having a lot of inquiries on your credit report makes you look like even more of a risk.
Second, do not go to one of those payday loan places. They charge outrageous interest rates and if you can’t pay your loan back on time, it can get you into even more credit trouble than you started with.
With a low credit score, it’s likely that a bank won’t approve you for a loan so applying will just make your rating worse. You have a few other options:
Try borrowing from family and/or friends. If you can’t get the full amount from one person, maybe a few people can loan you partial amounts. Be sure to make a written agreement that says how you’ll pay them back, whether you’ll pay interest, etc.
Sell something or things you don’t need. Have a garage sale. Put things up for sale on craigslist where there are no fees. Try selling things on ebay if you don’t mind the fees they charge.
Finally, try a site called Prosper. It’s a network of people loaning people money. They will pull your credit report too, but you have a better chance on that site than you do with a bank. Good luck!