Players can upload and equip playermodels usable in the Plaza, Condos, and Game Worlds on the Steam Workshop.
You can view how to make a playermodel on Tower Unite's workshop SDK:
https://towerunite.com/sdk/creating-characters
There also exist various community resources to assist in workshop playermodel creation. A couple tutorials are listed below, but more exist and the official Tower Unite Discord server also includes a #workshop channel for community support.
Making Workshop Models: The Ultimate Guide - https://steamcommunity.com/sharedfiles/filedetails/?id=2845340732
You can equip a workshop playermodel at any time in the appearance menu. You can also view the workshop playermodel browser from the C menu.