Settings\Accounts\Sign on options
https://support.microsoft.com/en-us/windows/windows-sign-in-options-and-account-protection-7b34d4cf-794f-f6bd-ddcc-e73cdf1a6fbf#managehello
If your account is local, then you have the option to use local credentials and password. If your account is a Microsoft account, then you only have the option to use Microsoft account password or PIN (PIN is more recommended for improved security).
https://learn.microsoft.com/en-us/windows/security/identity-protection/hello-for-business/hello-why-pin-is-better-than-password
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