zackb,
I see you joined this forum three years ago and just wondering why you now need to get a hair transplant "as soon as possible"? Did something suddenly happen or are you in one of those "I'm fed up with this hairloss thing" moods? I know the feeling man, many of us hairloss sufferers do.
No offense but if you are finding yourself in a challenging emotional mood, certainly don't just jump into a hair transplant thinking that will solve your hairloss problem because it won't.
IMO, most of the financing plans for cosmetic surgery procedures are rip-offs. Don't get yourself caught into one of their high interest rate programs. :freaked: If you are not a homeowner, they will probably quote you a rate that's extremely high because most of the plans are unsecured loans.
I apologize because I do not know your background or hairloss situation and I'm not trying to judge you in any way either. I guess I'm just trying to encourage you to not make any unrational decisions.
If my premonition is correct then try to do some routine activities especially those that improve your physical shape because you will feel better about yourself. It will help put more focus on other areas of your body instead of focusing on one's hairloss. Try it because you will see that it helps alot. If you are not that active then do some things for yourself, things that can raise one's level of self-esteem, things like that my friend.
Keep in touch, you have friends and support here.