Blender.
The most powerful modelling tool ever existed. Absolutely free.
As for character creation for you that have no experience and have no wish to become an artist - I recommend MakeHuman, a free character creation software, that will give you the characters for your projects in no time.
Also, you need to learn manage your finances. Goverment websites have articles on that. You do not buy an expensive subscription service if you have no skills to use it.