Mb-lab is a free open source blender addon for generating characters that are rigged with either rigify or blendrig, textured and ready to render,

Light Studio

mb lab comes with some basic lighting setup, but if you want to do more advanced lighting with better lighting tools, Bproductions the makers of botaniq and other popular addons have just realised Light studio, a new light assistant addon for blender, it comes with 37 ready to use customizable lights, a tool that lets you click a specific part of an object and lights and reflections are added for you automatically, its great for product lighting as well.

Simply CLoth pro

Another thing Mb-lab unfortunately doesn’t do is clothes, so a library of character clothes and a cloth generation addon like simply cloth pro will come in handy for your character designs.

One character wont be enough, if you need to populate your scene with multiple characters, all rigged, clothed, textured with animations, diffuse studio the makers of procedural crowds got you covered with there business pack that comes with 70 unique models that are compatible with procedural crowds

if you want something casual you can checkout there summer pack which is at a 50% discount if you get it within this week

If you need more customization than what mb lab can give, try human generator, this has been the go to tool for artists in a rush to complete a project, this comes with several base meshes, that are textured, rigged and with a cloth tool to dress them up, you can also change more features about your character like faces, size, skin tone and more, you also get a pose library to quickly pose your characters

and finaly if you want character clothing for cartoon characters Cloth Weaver is also a great collection with different tools to help you fit the clothes on the characters easily