Costco.com has several Brother and Singer sewing machines, some at your price point. None of them are the ones you've mentioned. However, their return policy can't be beat. If you're a Costco member or know someone who is, you might want to consider one of those. It may be tough to get a super reliable machine at that price point these days, and your money is tight so I would hate to see you get a lemon. If you can get one at a place like Costco with a super liberal return policy, you may be better off. I don't know.
(no affil.)
Good luck!