Sound like a yeast infection or bv?

No itching, just feels raw when I wipe. White discharge, a little lumpy but not like cottage cheese and yea there's a weird smell but it's not bready lol. I'm so irritated. I'm almost 36 weeks and I'm uncomfortable and don't wanna be dealing with this. Ugh. I have an appt on Tuesday where I'm having my swab test done. Blanking on the name. Should I wait until then and have her test or what? I don't have the money to get over the counter stuff for yeast infection. And I don't want to take that for no reason if it's bv. Idk what does it sound like?