How do I finance $400 for replacement screen on iPhone 12 Pro Max?

How do I finance $400 for replacement screen on iPhone 12 Pro max Frozen, unresponsive out of service device since 6-2-2022 and apple will fix iPhone but not until I have $400 to fix cracked screen, Im Homeless with no other phone and no, access to $400 ; any options to be financed ?

[Re-Titled by Moderator]