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Any growth on the paw would likely need to removed and should be biopsied to see if it is malignant.
Care Credit/Synchony usually approves a minimum $500 line of credit that would interest free for 6 months to 2 years on something like this surgery. Takes just minutes over the phone to be approved. The monthly payments are minimal. Details depend on the vet's office, so you would have to talk to the office you are going to use.
Some potential helpful info:
http://www.yorkietalk.com/forums/sic...vet-bills.html
Talk to family or friends and ask if they would be willing to make loan arrangements with you.