Here is a list of free tools which you can create Polaroid photos effect from your own photos:
1. PhotoNotes
http://www.photo-notes.net/
2. Instanizer
http://www.instantizer.com/
3. Picasa
http://picasa.en.softonic.com/
4. Polaroin
http://www.polaroin.com/
5. Genki
http://www.genki.co.nz/genki/polaroid/index.html
6. DrPic
http://www.drpic.com/
7. Pixisnap
http://www.pixisnap.com/
8. Rollip
http://www.rollip.com/
9. Bitmap.us
http://www.bitmap.us/
