There are many stores around klingeltondownload.com that offer different ringtones to their customers. Some are free and others you have to pay for. However, since the internet now offers a wide variety of websites, you can get free ringtones without paying any fees. All it takes is a quick internet search. As long as it's not copyrighted material, that's fine.
With free ringtones, you usually only get a pre-recorded clip or song. However, some websites allow you to directly download actual recordings of live tunes. This can be useful in an emergency or just for fun. The downside is that if the recording is of high enough quality, it may also contain audio of drug use or other adult content.