The free tier of Hailuo AI provides a hundred credits a day, with a thousand on sign-up with a Google account. Text prompt with or without starting image are twenty five credits per video generation and generations with subject reference are forty five. The realism and fidelity of environment Hailuo generates is unmatched in my opinion but movement is a little unreliable but still of a very high standard. Wait times are generally very good away from those times you would expect peak Chinese use. The subscription rates are very fair also. Content filters are variable but quite strict, many innocuous everyday actions between people are censored, possibly due to the concerns of the authors, possibly due to pressures exerted upon them, Hailuo is Shanghai based. It is also possible to generate audio. There are Reddit and Discord boards for Hailuo advice.