Can a person with great credit and joint has horrible credit get a good car refinance APR rate ?

Here’s the thing I have a GMC Envoy I’ve been paying 400 monthly and its not even worth 15000 anymore so I want to refinance ASAP to lower payments and get over with but I have horrible credit (600) and my mother has great (800) would I still get a good APR rate ?

Don’t file Bankrupcy

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