www.picnik.com. Click on the Holiday option and there are several free options (all of the above are the free options) although some of the cute options are premium.
Alas, gone are the days when I could dress him in a little Santa or Elf suit. Now that he is 16, he would only agree to wear his "What Happens Under the Mistletoe Stays Under the Mistletoe" because he couldn't find his "Dear Santa, Let Me Explain..." t-shirt.
This was taken at our local Home Depot because it was more "manly". Herefused to have his pic taken with Santa, but if there had been a cute girl elf handy he would have been game.