Lynette (Vanessa Kirby) works multiple jobs to make ends meet. She has a plan to purchase the home that her family rents with her mom Doreen (Jennifer Jason Leigh) and her developmentally disabled brother Kenny (Zack Gottsagen). She needs her mom to meet the owner at the bank so they can co-sign a loan, and put down a $25,000 down payment.

Based on the bestselling novel by Willy Vlautin, the movie follows Lynette over the course of one desperate night that sees her delve into the darkest areas of her past. It's all for a good reason though as if she doesn't get $25,000 by the next morning, she'll lose her house.