Will I be approved for a $10,000 personal loan if my credit score is just fair and only earn $1,400 per month?

Your best bet would be your local credit union. You won't get a loan instantly - you need to save with them for several weeks first. That builds up a "history" with them, and if they see you as regular and reliable, that is a plus in your favour.

In my credit union, all loan applicants need to provide 2 recent monthly bank statements and wage slips, and they will ask the purpose of the loan. They will try to fix a repayment amount that you can afford - evidenced by the amount you were able to save, without hardship. Loan repayments can be spread over several years. http://www.vbwebservices.com/Calculators/csDuration.asp tells me that $10k repaid at $400 per month with 9.5% interest, would take 28 months to clear. If your own credit union charges a lower rate of interest, or you needed the loan over a longer or shorter period, then those figures will be different.

that's funny, very funny

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What is a 'personal loan'? You mean like a loan from the mob guys down at the docks?

Banks loan money to people who can pledge collateral, like a house or car.

Personal loans are extremely hard to get. Ask anyone that has tried.
You need exceptionally good credit.
Long standing credit history.
Employment for a number of years.

Please don't be foolish and fall for any online loan scams.
So easy to operate, Biden could do them with a grin in his face.