You don’t need a GPU. It’ll just be a bit slower.

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There are a few.

Draw things https://drawthings.ai

Diffusionbee https://diffusionbee.com

Are apps available on macos. Not sure about other platforms.

Other than that a more complex approach is installing automatic1111 which is a web interface that runs locally. https://www.youtube.com/watch?v=kqXpAKVQDNU

Just had a little look at ^ this guy’s YouTube channel and he has guides to install stuff on windows too if that’s needed for ya.