Why do you need a car since you work from home? Can you walk/bike to grocery stores? If you only need a car once every week or two, are there other options, like Uber or Zipcar, that you can use, or a friend you can ask for help for a short-term period? IOW, do you actually need a car, or are you just used to the convenience of having one?
IMO, the #1 priority is getting you back into the black, meaning get rid of that CC debt and get an emergency fund funded before taking on more debt. The car is an annoyance and periodic cash drain, yes. But the best way to handle car problems is not to need a car in the first place; the second-best option is to need it as infrequently as possible. So rather than fixing your problem by throwing money you don't have at another depreciating asset (which is going to come with its own set of extra costs as well), get creative in finding ways to reduce how much you actually need that depreciating asset, and see how much of your problem solves itself. Meanwhile, throw everything extra at the CC debt, so that by the time your car throws a rod, the debt is gone.
I bet that if you really focus on it, you can get the CC debt paid off within no more than 6 months, at which point you can turn your attention to (i) saving the extra money towards a new(er) car and (ii) taking your time shopping for a reasonable deal.
