Directfinance.ca they need me to send $1000 b4 I get the 'approved loan, Is this legit!!??

Definitely don't mail them money. You should never pay up front for a loan or line of credit. When traditional banks approve you for a loan, most of the time they don't even charge you a fee but when they do, it's deducted from the loan proceeds. THEY NEVER ASK FOR FUNDS.