https://copilot.microsoft.com/labs/experiments/3d-generations/
would be a cheap solution, it f*cks up most stuff, but its unlimited and has shown astonishing results when i created a stylized kinda model
but if you want to go a bit deeper id recommend https://www.3daistudio.com/ as it features more different 3dais within this one, and hunyuan 3.1 which is still beta males wonderful lowpoly models, but it alsod dpends on your approch, becasue you either can created a 3d model from an image or text, i recommend images, at least i ffeelt more comfortable with, also this features image gneration ais, where you theorethically cerate an image of your "text prompt" but imo its rpetty straight forward :)
Haven fun trying it out.....oh and if want to know more or something special about these methods, id be happy to support your journey into AI :D
examples.
copilot:
meshy6
hunyuan3.1