What are the chances of me getting approved to refinance my car tomorrow?

Im w/ HSBC for my autoloan& HATE em!My hubby has auto loan w/ Redstone 6% apr.Owe $5k on the loan ('06 Ford Focus).I have a '05 Scion still owe $8,300. I've made OVER my monthly pymt every time on this loan &have 11.9% apr. we've never been late on anything:credit, cable, etc. & I've paid 13 payments on the car. I hate HSBC cust. service &happy to lower apr even just a little w another comp. We owe $87k on our mortgage-which we've had for 15 mos, a $400 bal. on my $2000 limit on capital one visa, a $500 limit from hsbc discover card (paid off and still open),$300 on furniture from 0% apr fr 12mo w 1st comm credit corp-orig. loan was $600, $2800 bal on my $4000 kay jeweler card (0%apr).Im 20- had credit since i was 16 & hubby is 22 had credit since was 18), normal bureaus no bad credit hist. Hes been at job for 1 yr bfr that was at one fr 3yrs. he makes $600/wk i make $800/ev 2 wks only at job 6mo but bfr ws at job 2yrs. Hes a tattoo artist no taxes yet only check stubs will this work