I recently applied to refinance my vehicle loan. My credit score was at the same as yours, the only difference is that I don't have a bankruptcy and my vehicle wasn't that expensive as that. They put in the info of the vehicle to see how much is worth (is going to happen no matter where you try to go) they may give you so much less than what you got it for. But that's everywhere, unfortunately, if you do try to get a loan is very doubtful you will get that amount you want 30- 40k. And yes they will go into your credit report, they have to check your credit.
