Yes - get her to a vet.

Getting a urine sample is not the most expensive procedure at the vet's. Also, if she has crystals, they can often be treated just by changing her diet.

It sounds like she is blocked. PLEASE get her to a vet ASAP before she blocks totally - that can be fatal!

Also, your vet might well make payment arrangements so you don't have to pay all at once. Ask.