VMK and ToonTown are both online Disney games.
VMK = Virtual Magic Kingdom. It's very popular with the 'tween crowd, but I'm a grown-up and love playing it with my daughter. You interact with other online players, but allowable dialogue is limited. Essentially they've created a virtual magic kingdom that has elements of Disney theme parks. You create a character, decorate your own rooms (amazing detail), buy clothes and other things, do quests that let you earn things like virtual pins and "magic," which allows your character to do things like drive a car. You earn credits playing games like a fireworks show, pirate games or doing a photo safari on the Jungle Cruise, or by visiting a series of non-playing characters that give you credits. You can even create rides and quests. You gotta see it to believe it -- it's truly amazing for a free game! It's very easy to create a character. Go to www.VMK.com and it'll walk you right through it.
ToonTown is another online game, but this one has a charge. I forget how much; I think it's around $10 per month with a discount if you pay annually. You also create characters, decorate your house, buy clothes and furniture, but you pay with jelly beans. You can earn beans by performing tasks, playing games or fishing. Your character is a "toon" -- your choice of animal. You interact with other players using pre-approved speed chat phrases. You team up with other players to fight cogs -- the bad guys in ToonTown. As you complete tasks, you increase in strength and "gags" -- or weapons, like pies and squirt guns -- that you can use against the cogs. There is a lot of strategy involved in figuring out what gags other toons have when you're battling together. You can also race your little car, and earn upgrades to your car. It's great fun. We subscribed for our daughter several years ago, but my hubby quickly became the expert. (You can create six characters per account.) Then I started playing with another mommy I know when our kids were at school. Oh, and sometimes, our kid plays too. LOL. It's a lot of fun!
Hope that helps!