i understand the struggle of "i can't draw how do i visualize this OC" and its like, okay, picrews and dollmakers have limited options (and are often limited by the artist's imagination). Heroforge perhaps not your style. You're broke as hell, so commissioning someone or finding someone who can do it on the cheap is hard. Certainly it's hard to find someone to just Do It For Free and that's a huge imposition. And learning to draw is [come back in ten to fifteen years lol]
What is also an option that I think has fallen out of fashion as programs have gotten more advanced but is still legitimate, though:
Kitbashing and editing sprites.
"but i can't draw" you don't need to. Get your hands on those game assets and edit them with your 1-px pencil or paintbuckets or whatever. Recolour them. Smash them together like dolls. You can do it in MS Paint or the program of your choice. If you want something more focused on pixel art (and still free) there's graphicsgale. Embrace the dots.