There are payment plans offered by many cosmetic or hair surgeons which can be make available to yuu depending upon your credit. Up to n100% of the fee can be paid for you if your credit is good
Most cosmetic surgeon offer financing, including some hair transplant doctors. If financing is offered it is usually trough a company such as care credit. The rates for Financing depends on clients credit history. If you plan to finance you need to inform your doctor, so they can help you through the financing process.