Jennifurr there are a few options,
some people are actually making book covers for newer authors for free(but for this I am not sure if they are still doing it free). Look around at a few discussions and threads here or on the internet for these free cover creators.
You can hire/pay someone to make a cover for you and they will make it after some time.
you can use apps or websites to make you own, like Adobe sparks which is a good app for making book covers or use photoshop on a pc or laptop. Making a cover is free but it is also time consuming and, depending on what you use to make it, it may not turn out the way you want it. Good luck writing your novel and I hope you obtain a great cover soon.