Only By Under The Table Means Would This...
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For more on marking an answer as the "Best Answer", please visit our FAQ.A reputable model agency. don't pay anything up front. In the first instance all an agency will need is a poloroid so don't pay for a portfolio at this stage. A good agency will arrange (and more importantly pay) for this if and when you're signed. Depending on where you live yell.com is a good place to start looking.
Remember that a good agency will claw back any costs from their commission when they get you work. a bad one will ask you to pay "up front administration costs" and get you no work at all.