For those you don't believe in their ability to draw, here are some free Build Your Own Characters, I have found on DeviantART. These ones are free for use, just custom make your character, screenshot it and post it here. Make use to leave the artist signature on it. They like to get credit for their work.
All of these so far are all females, sorry boys. I'll try and find some creators with male characters.
Ocean Fashion Dress-Up by xSheepi
Element of Air by DollDivine
Element of Fire by DollDivine
Tomboy by Unkown
School Couple 2 by Pichicham
I'll post more as I find them. If you have some you wish to add just tell me and I'll put them here so other people can use them too. Enjoy!