If you're dead serious about it, then why not just design your own characters?
I know what you're thinking when you read that but, hear me out.
All art, no matter how complex, no matter how detailed, can ALWAYS be broken down into basic shapes. If you can draw a straight line holding shift, you're already using a piece of software capable of making those basic shapes.
For example - an anime style head consists of two basic shapes in it's simplest form, an oval and a triangle, it's not rocket science if you break it down this way

Most people tend to look at artwork in its entirety, standing back and taking in the fact that "Holy crap, I'm looking at a face, how do I even do that myself?" when they should be thinking, "Holy crap, this is just an oval and a triangle."
Obviously this is kinda over-simplifying it ^^ But the principle is the same. This extends to any facet of artwork, from manga to fine art.
Also, I think it's worth noting that even many great artists can't draw a straight line without using a ruler...
Honestly though, there's plenty of resources available on the net that can help you make your own art, tutorials on basic form and anatomy, perspective, colour theory. Hell, you could even find someone on a website like deviantart who posts up body templates and stuff and use that as reference, the possibilities are literally endless.
I can't draw by hand to save my life, but I can easily create characters in Photoshop. Sadly, I'm always swamped with life so it's hard enough coding and writing and bg art, so I prefer to use outsourced materials to cover this area. But, if you're not wokring, then you should have the time to invest, especially if you plan to make money out of your game.