FWIW, I have heard of Cecilio. They are a brand of questionable quality. I have actually played on of their tenors that belonged to a friend of mine, and it was bad. Spotty intonation, uneven scale, and quite questionable build quality. Quality assurance is not something that the company appears to focus on in their lower-end models.
The problem with buying a cheap sax to learn on is that it won't be long before the limitations of the instrument become obvious to you, and become a barrier to your learning. If you are serious about learning the sax, these limitations will frustrate you, and will have you searching for another, better quality instrument to buy. This of course costs you more, because you lose money on the purchase of your first horn -- which is exactly what happened to my friend who got rid of his Cecilio for a Yamaha YTS-23. Had he just spend the money on the 23 to begin with, he would have saved himself nearly $250 -- approximately the amount he lost when he sold the Cecilio.
And while yes, I'm a pro, I'm writing this as a saxophone teacher who has worked with students for well over 20 years.
The advice given in this thread has been sound. Pete has given you a couple of good places to check out. Definitely give Kessler a call and find out what you can arrange around payment options for one of their lines of horns. They are a stand-up business, with a good, solid reputation, who by all accounts treat their customers well.