There are a number of free resources out there for electronic books and audiobooks that do not require a library card. There are many of these items in the public domain and you can access and download for free.
Open Library is sponsored by the Internet Archive. Their collection of free e-books has been build on the basis of sponsorship, allowing the public to help build their collection. An email address will be needed to create your free account.
Baen books has a free library of fantasy and science fiction books for download. Many of Baen's popular authors including Eric Flint, David Drake, Rosemary Edghill, and David Weber are featured in the library.