Google's excellent online photographic editing application, Picnik, is now a free extension to its popular basic online editing and sharing service, Picasa, which I use extensively in blogging.
You can access Picnik from Facebook, Flickr, and other online services.
Although many of the applications are paid, this framing application is free.
Here I am with Jago at the beach at our house - I think the framing and borders look great. Usage is intuitive and does not require any documentation.
Worth a look for yourself.