You need to get your employer match.
That should almost always be #1 priority. It is a 100% return on investment and is essentially risk free. You will never get a deal like that anywhere else,
Make whatever arrangements you have to to get that match, then consider your other options from there, because leaving that money on the table is a big financial mistake.
This is one of the few cases where I'd recommend remortgaging to get your financial picture more organized.
Get a $50k mortgage (16k + 37k new funds/liability), pay back the 23k loan, leaving you with 14k, which you should use to make at least the minimum 6% contribution to get your full match.
Now that you are no longer leaving free money on the table, start aggressively paying back your mortgage as you can moving forward.
This is what I would do, I'm sure there are other opinions.