On fal, it takes less than a second many times.
https://fal.ai/models/fal-ai/z-image/turbo/api
Couple that with the LoRA, in about 3 seconds you can generate completely personalized images.
The speed alone is a big factor but if you put the model side by side with seedream and nanobanana and other models it's definitely in the top 5 and that's killer combo imho.
I don't know anything about paying for these services, and as a beginner, I worry about running up a huge bill. Do they let you set a limit on how much you pay? I see their pricing examples, but I've never tried one of these.
https://fal.ai/pricing
It works with prepaid credits, so there should be no risk. Minimum credit amount is $10, though.
This. You can also run most (if not all) of the models that Fal.ai directly from the playground tab including Z-Image Turbo.
https://fal.ai/models/fal-ai/z-image/turbo
For images I like them: https://runware.ai/ super cheap and super fast, they also support Loras and you can upload your own models.
And you work with credits
Why the down vote? Are they scam?