As a New Yorker, I would very much caution coming here without at least some cash on hand because it’s an expensive city. Beyond the obvious, if it’s a great tech company— why aren’t they paying to break your lease and pre-paying moving costs? If that’s not possible, I’d suggest moving later as opposed to piling on a bunch of debt moving to an expensive place with low credit. Just my thoughts. I’d get them to pay as much as they can first.