It's hard unless you have a cable and software.
I have a Nokia 3650. It's fairly easy for me, especially since we just purchased a new computer with a MMC reader. Incase you didn't know, there's an MMC right under the battery of the 3650. I put anything on there. Movies, Full Songs, etc. But still, it's hard to get ahold of *GREAT* quality Poly ringtones without a price tag on them.