It's not Mc Donald here
Hi , i want a character ...
Have you used Google ? it's your best friend !

Try perhaps some specialised forums like CgSociety, Polycount, Game Artisans etc ... and ask !

Or just go t oturbosquid and type : character and lower price to find free ones !
TurBoSquid characters

The most wasn't animated, and you'll have to rig them and animate befoer exporting from FBX to MDL !

Why not using a low poly model of A8 package to prototype simply ?? and you'll once the game works good ,you just buy a model at low price , why not ?
Dexsoft and other have really cheap and great complete animated characters.

Stop beeing so lazy ... Hard work now ... !