If you're hunting for ghost stories without spending a dime, the classics are still your most reliable haunt. Project Gutenberg has an enormous collection of public domain works from authors like M.R. James, Edith Wharton, and Sheridan Le Fanu—the foundational stuff that still gives me the chills. You can download them in any format, which is perfect for late-night reading on an old e-reader.
For more contemporary and varied short fiction, I've found Creepypasta.com to be a mixed bag, but when it's good, it's genuinely unsettling. The community-driven nature means you get wild, unfiltered ideas you won't find elsewhere, though quality control is basically nonexistent. I'd also poke around the NoSleep subreddit; some of those serialized tales build a fantastic atmosphere over weeks, and the comment section pretending everything is real adds a weird meta-layer to the experience.
My personal deep-cut recommendation is the 'Classic Ghost Stories' podcast website. They often post the full text of the stories they narrate, and the curator, Tony Walker, has a knack for digging up obscure Victorian and Edwardian chillers that haven't been reprinted in a century.