There are several ways, but they are all quite involved. Reading the comments Helix's comment seems the easiest, given that VirtualBox can really use raw disks, which I have not heard of before. To this I wish to add, if this method works you don't need to worry about drivers. The linux kernel has all the drivers you are likely to need & initrd is taken care of by all the distro installers, so you just need to directly install from the iso normally & not use an automated installer if VirtualBox has such options.

I don’t have USB drives and they cost too much for something i never use.

If you care about Linux it's worth getting a usb drive, $4 gets you a usable drive in most parts of the world. (8GB is enough)
If you end up getting one, my suggestion is to make it a ventoy drive, even if you only have one iso file on the drive (which you'll need to boot in grub2 mode) , you'll still get the recovery benefit of ventoy, meaning if something* happens to your linux bootloader, ventoy will still be able to boot it up np most of the time.

*If you have two separate EFI partitions on two disks it's unlikely that Windows would touch the other, but stranger things have happened.