Many Vets now will allow payments over a period of time. They will work with you if you dont have much to spend. Call around til you find a vet who will take payents. Dont take too long to do it. It sounds like your cat is in trouble and needs to be seen immediately.
In the future put aside a small amount each month (even if it is just $5) so you have something when you need it for your cat.
I'm sorry about your situation. Have you tried contacting your local animal rescue orginazation? They might be able to recommend a vet they use at low cost if your income is low. I hope everything goes well.
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Low-Cost Veterinary Care