TERA online, I play it since yesterday.
It's free !
It is a game with fantasy stuff, I think it gets rather close to WoW, but then free. You can play on the same servers as your friends, customize a character give it a name etc. Also you'll have to select a class fitting to your style like Archer, Lance (no horse though), 2 handed sword, 2 smaller swords, magic etc. You have a couple of ''worlds'' I beleave, you start in the nub world and then you can train etc. You have quests and you can kill monsters, ooh. And you can be a fat cat or a fat rabbit ;p, also you can be humans, evil thingy's, elves etc.
*note* It's a pretty heavy game and the downloading takes quite long.
But it's definetly worth a try
Races:
Graphics:
Character creation:
And a fat cat: