Cars are not often refinanced. If the car qualified, you still cannot do it because you do not own the car exclusively. You AND your father would have to sell you the car, as the new and sole owner. Once that is done, there would be no need to refinance because you would own the car outright. However, I highly doubt your father would be stupid enough to do that, unless the car has been paid in full or unless you pay him for his portion of the car. Working 40 hours a week is no excuse for doing a lousy job.
Certified Paralegal, with 25+ years' experience.