Wepik is an image maker that I like.
Speed of creation: Fast
Log-in account needed: Yes, you can use a Google account
Download ability: Yes, smaller-size like 500 px
Filters: Quite a few
Money: You get a 100 free credits. You can use those to create 100 small images. You can use additional credits to create a larger, higher resolution version of the image. I like that!
I like WePik.