Should I get a neck lift or are there fillers that can fix the loose skin? (photos)

The best way to improve this is with a lower facelift and necklift. The less invasive approach will be Sofwave ultrasound tightening of skin. Given that you are so young, there is a good chance that you will have a good outcome with Sofwave, I would start there.
Regards
Dr. J

Based on your photos, I think you would benefit most from a standard necklift, probably extending into the lower cheek region to remove and tighten the stretchy neck skin and muscles. I don't think just adding fillers in the cheeks will significantly improve the degree of looseness visible in your photos. I would also address the two prominent muscle bands on the front of your neck, to create a smoother neck contour.

Hello, hope you are well. The most effective way to address this degree of skin laxity is with a face- and neck lift. Injectables will not work. In most circumstances, a facelift can be performed at the same time as body surgery.
Best,Dr. Tower

Only on the basis of in-person consultation an experienced plastic surgeon with expertise in face/neck lifts would be able to tell you whether neck lift (extended posterior neck lift) or a lower face/neck lift is better procedure for you. Good luck.

Based on review of your photos, you would most benefit from a neck lift surgery. This is the most effective way to address the excess skin laxity, tighten the vertical platysmal muscle bands that are causing the "turkey gobbler" deformity, and to overall tighten the skin. Fillers and other "non-surgical" methods would not be worth your investment as actual skin needs to be excised in order to tighten and sculpt the neck (think of going to tailor to remove excess fabric). Incisions are below the chin and behind/below the ears in order to remove the excess skin. Some fat can be liposuctioned as well in the same setting, but your concerns have less so to do with excess fat and more so excess skin/skin laxity. It is possible to pair this with the body procedure you mentioned, but that is to the discretion of your facial plastic surgeon, as he may also recommend a facelift for full rejuvenation and, if performed, will add more time to your surgery. Hope this helps!

From the limited photographs, it appears that you have platysma muscle cords, loose and inelastic skin, and small amount of fat deposits in the submental area. A neck lift with skin removal is going to be required, not fillers