Scam or my lucky day?

I received a Citi Financial (now OneMain Financial) pre-qualified “Express Loan Certificate” for $6000 in the mail this past weekend. After calling the number on this certificate, and reviewing with my co-workers – I’m gather that this “quick cash” offer is real! I know that something like this will come with a hefty interest rate, they will ping my credit with their hard check on it, and that I would be ludicrous to even consider this offer. But…

I am currently buried under two credit cards, with APR’s of 24% and 25%. I can pay off these cards with this “Express Loan Certificate”, only to inherit the mystery APR of this loan. I am confident that if I do not pay off these credit cards soon, the finance charges will eat me alive! I am seriously considering this as my only option! Please help me decide my fellow jellies!