is it possible to get a $5,000 personal loan while I only make $10,000 annual income and 705 credit score?

not unless u like loan shark rates.

Personal loans went out of business 20 years ago unless you have collateral to back it up

Personal loans are almost obsolete. Few banks do them any more as they are so risky. It is doubtful you could get it per your income. You would need a cosigner or collateral before they would even discuss it.