I have 2 cars, both purchased in 9/2013 that are in mine and my g/f's name.
2013 Mazda 3 SV
16000ish miles
$460/mo
16.5%APR for 72 months (Exeter Finance)
balance is roughly $18,000, and it's about $6000 upside down
2010 Ford Taurus SEL
115000 miles
$400/mo
19.9% APR for 60 months (CIG Financial)
balance is roughly $12,500
I found out a few months ago that the car had prior rear-end damage, which makes trading it in almost impossible. It wasn't disclosed when I bought it. I didn't get a CarFax 
Every payment has been made on time, no lates.
I have 3 repo's on my CR (yeah, I know):
Santander, DOFD 1/2014, $4000 balance, shows as a charge off
Drivetime, DOFD 10/2011, $5500 balance, shows as an involuntary repo
Capital One Auto, DOFD 9/2008, $14,800 balance, shows as a charge off
My current FICO is in my sig.
My g/f has no repo's, and limited credit history. Her scores are in the low 600's, and she has both of the current cars on her CR (which show 18 months of on time payments since the loans originated). She just got approved for a $3000 Cap One and a $300 QS1 card, so her scores should be going up eventually.
What is my best course of action here? We'd like to lower the APR& monthly payments on both current cars.
With your scores and prior repos I would say you have no chance at refi... just being honest.
That and you'll have difficulty with any lender wanting to get involved with a 2010 vehicle with 115k miles that has previously been damaged/wrecked.
Your g/f may have better luck with the 2013 vehicle. She may have to wait 3-6 months for her scores to improve. She should also see about getting set up with a local CU... they are much friendlier than banks when it comes to refinancing.
