Libby is the service my library uses. The state capital gives everyone a free library card also, so I get access to a much wider library than i would otherwise. Bullshit the restrictions publishers require, like forcing the library to buy a license for each “copy” of a book it loans, but libraries are still fighting the good fight more than anywhere else I know.
My wife listens to all of her audiobooks via the library's online service. She listens to them daily and she hasn't bought or pirated any in at least a decade.
Could definitely play it on a computer and link the sound to a recording device, although then you lose all the metadata like chapter info and get some loss. But as a personal copy, that's arguably fine.