Depends on the type of case you have. If it is a personal injury case, in most states no retainer is required at all. Generically I would contact your state's bar association and seek a referral to a lawyer referral program or legal aid.
Most will accept payments. A retainer is NOT full payment in advance. It is your down payment. Depending on the case, they may work on a contingency basis. That means they agree to take a percentage of whatever they win as payment. If you lose, they don't get paid.
In the past two years I've used http://badproducts.com/ twice before for malpractice case and they referred me to two different lawyers, both winning me the case. Evaluation form on the website is free and they just took a % of my settlement, worked out well. maybe they can help you too, good luck!
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