PC Image Editor
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Full user review
"A decent addition to MS Paint"
Free. Has a lot of features in paint that allow you to add effects to photos.
It doesn't seem possible to zoom. You have to resize the photo rather than just zoom in and out through the application.
I couldn't zoom so that rendered this useless for basic image editing. MS Patin is better. Images from cameras come in big. I want to edit them without shrinking the image down and lowering the quality. If you only want to apply a photo affect, for free, this is one of many applications that works well.