Myxer.com thats where i get all my ringtones and wall papers free! and with no signing up. you can either do from your phone or on the computer i think its better by computer because you can sample it before you download it.Hope this helps.
well what you can do for free is if your phone supports voice recording you can record a song or whatever you want and then hit send in message and put your own cell number in and when you get it just save the file to your phone and it will be a ringtone. at least thats what i can to with my motorola razer.