What are my chances of loan approval from a credit union if my credit score is 630...oldest credit account is?

3 years old......i owe about 6300 and have limit of 10,100...i want to get a loan so i can pay off all my credit card debt so i can just make one monthly payment.....i make 41 k a year and no car payments...would a credit union lend me 6g? I've been a member for almost 4 years...and have had a 2000 loan in the past that i paid off but needed collateral...however I dont have anything to put down as collateral this time....so what do you think?