Check out Daz3D. They offer some free models (dragons, humans, animals), but you can't redistribute their works. It's great if you want to perform some tests or build sprites for a 2D game. Their models are fully rigged and textured. They often come with default poses and animations, so you may be able to get away without doing any real work. While I'm not fond of their Daz Studio, their pose and animation system is fairly easy to use.
FYI the animation database at CMU is also a great resource, but does require some cleanup work. Their BVH files are huge and should be downsized. They also don't cover animations for hands/fingers and feet very well. It can look a bit odd without some additional work.