well thing is I want to play GTA V and as it is right now unless I play it on a slightly lower resolution on the lowest settings I lag, and even with low settings I still only get 45ish FPS.. I would get a 750 but I only have $50 to work with right now.
You'll be much better off buying a used card then. Low-end retail cards are overpriced for the performance they deliver, and even the feature set. The GT 630 is just a rebranded old GT 440 anyway.
Could be this 7750
for example. $25 bid so far.