If they are "preloaded" you have them already installed.
Consult your manual.
Go to the website of the manufacturer and ask there.
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A Texas Instruments graphing calculator can be used as a basic calculator, a scientific calculator and a graphing calculator.
The t1-84+ has the addition of a usb cable and preloaded apps.
A graphing calculator is a scientific calculator with a graphing display window. Otherwise, there are no limits to the type of calculations that can be made on either of them.
Usually a graphing calculator should have all the capabilities you expect from a scientific calculator (and more, since it does the graphing). For more details, check the manual of your calculator if you already have one.
Someone can find a free online graphing calculator at Meta-Calculator. On Meta-Calculator one can find graphing, scientific, matrix, statistics, and programmer's calculators.