I use anim8or and what you do is click on the button with 4 circles on the upper tool bar. This is the materials button. Make a new material and click on the line next to "diffuse." Click on "load texture" and load a picture in .jpeg format. Then click on the material in the texture list in the same popup window to apply the texture to the object. If you want to have the texture on just part of the object, select the whole object, click on "build" - "convert to mesh." Now click on the button on the toolbar with three squares. Right above the buttons that say "front" and "back" on the side toolbar you will see 3 buttons (a square, a line, and a triangle.) Click on the triangle, which is the face edit button. Highlight the face(s) that you want the texture to be applied to, click on the material of your choice, and click apply.