I saw a link today for a site called 
Crop Mom a place to create 
quick and easy layouts without a graphic program, 
well i just had to go look now didnt i ?? :)
The screen once you have registered and uploaded a photo
is pretty easy to navigate but it is very limited in what you can 
do, your photo basicly has to be the correct size when you 
upload it as you cant crop it down in place .. 
there is a good choice of kits to use or quick pages
to just add your photo to, i have to say i found it very limiting
i dont think its somthing i would personally use again but
for the new user or someone with no program to use it is
a good service, you can download a low res image of your
layout free but if you want to print for your album there is a
cost, oh you also get a choice of sizes too which is good
So in short IMHO a good service for a quick layout or
a newbie to Digital Scrapbooking but not for a seasoned
Scrapbooker , saying that it was fun playing :)
Here is my creation very simple and the low res image 

 You can go have a look yourself 
HERE