I really love the look of those Instagram photos.. but alas, I do not own any sort of fancy phone and probably will not splurge for one of those soon. I did some googling and found two places to do photo filtering online. The first is omg photo filters
Look what I did here: x-pro filter, and border
Picnik is another favorite of mine.. Here I used winterize and polaroid border. Picnik is awesome because it is a complete photo editing program online. There are all kinds of free things you can do to your photos, add text and borders, make collages. Then you can upgrade to Premium and get more filters and fun stuff. I have been very tempted to upgrade, but just haven't done it yet.
Do you know of any other places?