I want my character to be looking down at a photo on her phone, so I need a phone with a finger or a hand on it like she’s holding it, can someone help me?
PS: I know there are overlays for that but I don’t like them + I want the background to look like floor and not just one color
so you want a floor background?
and the phone with the hand yes 
You could edit the black bg out with an edit program (GIMP, Photoshop) and put a ground bg or a zoomed-on-ground bg in your script. <3
so floor bgs you can find on pixabay or pexels (they have to be free so you can avoid copyright) about the phone ol what @Abinaya said