Yes you can find custom skins for your characters made by players. The custom skins will replace a slot of one of the textures already available. You download the skin, unpack it, and put it in the ephinea>data folder.
Kra had a afs editor a long while ago (I THINK) which was pretty much open up the file and copypaste things in if I remember right, there might be other tools around by now. Just ask around. I've never done much of my own skinning...well ever. xD I just know file management etc.