4
I haven't used the phpadsnew module found here:
https://xoops.org/modules/repository/singlefile.php?cid=92&lid=1208 , so I wouldn't be able to tell you much about it as far as user uploads. If you read through the posted comments, you'll also see a couple of links to an update and some good instructions on its usage.
There is also an excellent article here about it.
http://www.it-hq.org/modules/AMS/article.php?storyid=118