Check here https://easydiffusion.github.io/ Old models still works with my GTX 970 from 2016, but I can't run SDXL on it, with Stuff like Dreamshaper 8, I can generate an image in less than one minute. I plan to change PC soon (may-be for the January sales), and will take a bigger GPU to run SDXL. (That said I am affraid that in a couple of years, model will be even bigger and will need these Multi-GPU dedicated rack which are used for example in CT scanner)
But at the moment if your PC has a gaiming GPU, no need to pay credit for an online service, you already paid for a PC :)