Neck lifts some times refer to an under the chin incision with liposuction and tightening. They do not tighten skin.
Most patients with your problem need a facelift in addition to a necklift. That way the skin is tightened.
Many patients with early signs of aging around the jowl and neck area benefit from a minilift, but this should be very carefully performed by an experienced facelift surgeon you have researched carefully, not a mass market clinic.
At your age, the average benefit would be about 5-7 years in the appearance of the face, but this varies widely depending on your skin type, what procedure exactly is performed, what additional procedures are being done, etc. 5-7 years would be an average of how long the patients felt the procedure lasted, althoiugh after a well done minilift or moreso even with a facelift there is permanent benefit.
Most offices do offer financing.
You are best seeking several consultations and doing it right, even if it means saving up. Wasting your money on minimally invasive solutions will probably delay your getting the proper procedure.