The lender will look at a host of items. Your income, debt, payment history etc. There are lenders out there that will allow you to do a Soft Pull to see if you should qualify for their loan product and what the approximate terms might be.
Try SoFi.com, Lending Club, Prosper and many others. Read the fine print and remember that if you decide to get the offered loan, it will be a hard pull on your credit.
Most likely no. If you have any baddies, no. You may have some luck with a CU if your lucky. But unlikely a CU will give you 10k with a 635 score.