What is the voltage? Do you want cheap or do you want elegant? I still use a klunky e-load that I designed and built maybe 28 years ago. That is good for maybe 3V up to 60V. I also made two resistor load banks that I use for high voltages. Just a connection of 15 resistors. I use alligator clips to select 1, 2, 4, 8 in parallel in any combination to give me 15 steps.