Yes, you just have to download it or make it yourself.
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In order to get or use custom skins or any content, you must either create it or download it. You can use Bodyshop to create your own custom skins. For tutorials on creating custom skins/content, you can check out: www.modthesims.info They have a vast collection of tutorials. They also have a bunch of great downloads that are 100% free.
no, you don't have to pay for most skins however some skins cost.
A tanner is a someone who tans skins.
Thru different custom sims websites. One is Modthesims.com. But what i do is just download sims from the sims 3 exchange. Look for a sim that has clothes, hair, and eyes that are not in the game by clicking on one and viewing the outfits and stuff. Then if you download that sims to your game, you might get lucky and get free custom content! I works, I have alot of skins in my game and I got all of them free from the exchange. Happy Simming :)
If server has sv_pure set to 1, you may get kicked or banned for custom skins.