Go to your bank and request a $40K consolidation loan.
Go to your personal bank - do you bank with a community bank, BofA, Wells Fargo? Whoever you bank with, start there! Don't go to website or TV advertised lenders.
You can use your house as collateral, or even though you only purchased the house a few months ago, you are likely already eligible for an equity loan. $40,000 isn't that much, so I don't know why other posters are making such a big deal about it. My car loan is for more than that at a rate of 3.5%. Its only a big deal if your debt to income ratio is really out of proportion. But even then it'll be moot if you get the loan as equity. Whatever, just go to your bank. Start there.