Going direct to Black Forest Labs' dashboard at bfl.ai is pay-as-you-go, no subscription. You pay per image, at a few cents each, and per-model rates vary by resolution; the calculator on bfl.ai/pricing shows the current rate for the model and size you pick.
Most beginners should come in through someone else's app. Krea and Freepik are ordinary image-making websites — sign up, type, get pictures — that license FLUX and run it for you. Both have a free tier, you pay them rather than BFL, and their terms set your rights.
Running the files yourself is free, and the barrier is hardware, not skill: the freely licensed FLUX.2 [klein] 4B wants a graphics card with roughly 13GB of memory on it — most laptops don't have that — plus software like ComfyUI to drive it. Below that bar, a third-party app is the same model for cents an image.