I use photos from Pexels (a free-to-use photo website) and of actors if it is fanfiction. To edit I use PicsArt and Canva.
Will post my process here soon.
Examples
This one is a cover I made for a fanfic idea I might write at some point.
VOCÊ ESTÁ LENDO
The Mystic Creations (Cover Shop)
DiversosNeed a cover for your book? Then have a look through some premades, to see if any fit your book or request a cover Custom Covers: Closed Premades: Open