Free AI music generators in 2026: what's actually usable?

Which free AI music generators are actually usable for content production right now? I need background audio for video content without the licensing headache, but most tools I’ve tried either have aggressive free tier limits or quality drops off fast on anything longer than 60 seconds. What are people actually using?

There’s a fairness dimension here that doesn’t get discussed enough. These models are trained on historical fraud patterns, which means they inherit whatever biases existed in how fraud was historically identified. Small businesses and certain transaction profiles tend to be disproportionately affected.