You can have a mount and level one! You actually get one doing the tutorial, and another one before level five that lasts a day. Permanent ones can be bought for roughly 10 dollars(USD) and 30 day ones can be bought ingame with tokens awarded from daily missions. There are also various events and specials ingame that give away mounts.
If you have any more questions, don't forget the Runes of Magic forums, they have MANY people willing to help you out. =D