Your camera will capture what is there, based on exposure settings. To change the appearance of the image you can either use in-camera processing settings (a.k.a. Picture Styles) or post-processing software. It doesn't need to be Photoshop, there are other options available, cheaper and easier to handle.
nowadays there's lots of filters/actions for photoshop that can help you to achieve your desired output all with a single (sometimes a few more) click of a button. do not get me wrong, they are not the best and proper way to edit a photo, but it gets the job done. Textured image, faded old photo image, cross-processed image, you name it you've got it. all you need to do, is google for the free actions!
Lightroom also has the same feature except they call it PRESETS over there.
So there ain't no excuse to not be able to produce such images, even if you are brand new to post processing.
if u want to learn how to achieve the effects manually.. well that's gonna take a much longer post and i don't think i will wanna venture into that haha