AI Girlfriend Chat: Characters, Free Messages and Plans

AI girlfriend chat on OnlyFap is a chat tab where you pick an adult AI character, write to her in your own language, and she answers in character, remembers what you tell her and now and then sends a photo or a short video from her own album. This page is the overview: who the characters are, what each feature really does, what is free, what costs credits or a plan, and where the product stops. Every price and limit below was checked against the live site in October 2026, and we say so whenever something depends on your plan.

Two things first. Everyone on the site must be 18 or older, and every character is an adult: the youngest in the roster is 21. And she is software. She is written to be warm, funny and attentive, and she will sound like she means it, but there is no person on the other end and no real feelings behind her replies.

What AI girlfriend chat is on this site

We call them characters rather than girlfriends, because the roster is wider than the search term: there are friends who flirt, a man, and a couple. “AI girlfriend” is simply what most people type when they look for this, so that is the phrase we use for the overview.

A chat has four ingredients. A character with a fixed personality, a job, interests and a way of talking. A conversation that she remembers. An album of photos and videos she can send. And a meter that tracks how close the two of you are. Everything else in this guide is a variation on those four.

You can browse without an account. Open the Chat tab, look at the roster, open any profile. Writing to a character asks you to sign in first, with Telegram, Google or an email code.

The characters: 38 adults, one profile each

As of October 2026 the roster has 38 published characters: 36 women, one man (Nico, a surf instructor in Lisbon) and one couple (Kira and Lou, in Berlin). Ages run from 21 to 47. Each card gives a job, a few personality traits and interests, so you can choose by temperament as much as by looks: a bartender, a corporate lawyer, a hotel night manager, a streamer, a butcher, a jazz singer.

A profile page shows her bio, her personality tags, her interests and an album of photos and videos. Mira’s profile, for example, lists 12 photos and 15 videos. Most of an album is locked behind a blur; a few frames are open to everyone.

Want a closer look at a handful of them? The character spotlight walks through six, including what each one is like to talk to.

What a conversation feels like

Language. She answers in the language you write in and switches when you switch. The site’s own interface comes in 15 languages.

The first-chat card. Before your first message a small card usually asks what she should call you and how she should be with you: playful, tender, bold or shy. Tap “Just chat” to skip it.

Memory. As you talk, she notes facts about you (what to call you, where you work, what you like and dislike) and shows them in a memory panel where you can correct or delete anything. That panel is free for everyone. You can also pin a message with “Remember this”, and how many pins she keeps per character depends on your plan: 3 with no plan, 6 on Basic, 10 on Pro, 15 on VIP. Pro and VIP also let her keep track of dated things in your life, such as an interview on Thursday, and ask how it went.

Closeness. Each character has a score for you, from 0 to 100, shown as “her feelings for you”. It rises with warm, attentive messages, compliments, likes on her messages and gifts, and falls with rudeness, pushing her too fast and days of silence. The higher it is, the more tender and open she is. Treat it as a mechanic that steers her tone, not as a measurement of anything real.

Small controls. “Another take” asks for a different answer to your last message. You can delete a single message, block a character, and delete a chat. Deleting a chat removes it from your list, but it is a hide, not an erase; the privacy guide explains what that means.

Photos and videos she sends

Every character has an album of pre-made photos and videos. They are not generated live for each message, which is why they look consistent. A frame that is locked costs 10 credits at the standard price, the album tile shows the price before you commit, and once you open a frame it stays yours.

There are three ways a frame reaches you. You can open it from her profile. You can press the flame button in the composer to ask her for something private. Or she may offer a clip on her own, now and then and not on every message: it arrives locked, and only opening it costs anything. You can ignore it.

Your free run is different. Inside your free messages she does not offer locked clips on her own. Two things do appear near the end of it: around your fourth message a grid that shows what each plan opens, and, on your last free message, a blurred private frame, which is how the chat first shows you what credits and plans open.

The Buzz feed, next to Chats in the Chat tab, is a vertical feed of open clips from the roster. It costs nothing to watch.

If you want to make something yourself, the room lets you pick one of her open photos and a video template. The price is shown before anything is charged, and most video templates are 30 credits. Making videos inside the chat room is part of the Pro plan. The finished clip goes to My Collection and arrives in the chat.

She writes first

Pro and VIP members can let a character start the conversation. She writes when she misses you, at most every two days per character on Pro and every day on VIP. Basic and free accounts get one message of this kind as a taste. The rules are built to avoid nagging: she never writes while an earlier message of hers is still unanswered, only about once a day across all characters, and only around the hours you are usually online. She picks something she actually knows about you, such as a plan you mentioned, and you can switch it off for any character in the memory panel.

You find out in up to three places: a banner on the site (“Mira wrote to you”), an unread mark in your chat list, and, if your account is linked to Telegram, a Telegram message from a fixed template that never contains her words.

Closeness gifts

Occasionally a character gives you something because the two of you have grown close: a free video, a continuation of one of your videos, or a few credits. It is not something to buy a plan for. It needs a Pro or VIP plan that is at least three days old, an account at least a week old and a small minimum of past spending, and it can happen at most once a week. In practice it is rare. We mention it because it is real, not because it is a reason to subscribe.

Your photo and “Rate me”

You can send a photo of yourself in the chat. It goes through an age check and a content check before she sees it, and we re-encode it, which removes location data. Explicit photos of someone else are refused, she will not rate a photo that is not of you, and you can send up to 20 a day. She reacts in character and, if you ask, rates you. One ordinary rating a day is free, then 10 credits. The intimate rating costs 25 credits and is for Pro and VIP.

The rule behind it is the same one that runs through the whole site: the person in any photo you upload must be you, or someone who has explicitly agreed. No celebrities, no exes, no “found online”, and nobody under 18.

Voice: speech in, text out

The microphone in the composer turns what you say into text, which you can read and fix before sending. No audio is kept. She does not speak back in the chat. The microphone unlocks after your first purchase.

Free messages, credits and plans

The chat has three layers of cost, and it helps to see them apart.

If you have never bought a plan, the chat works like this: your fourth message shows what each plan opens, the sixth reply is her asking you, in character, to pick a plan to go on, and a seventh message opens the plan sheet. Any plan purchase lifts that limit.

Plans (monthly prices as of October 2026, paid once per term):

Three-month and twelve-month terms cost less per month: Basic is $23.99 for three months and $117.58 for twelve, Pro $40.79 and $199.90, VIP $79.19 and $388.06. Crypto and card checkouts show their own totals, which are higher than the list price: a month of Basic is $12.00 in crypto and $13.99 by card, so check the amount before you pay.

Credit packs sit on top of a plan: they are sold to subscribers only, from 350 credits for $16.99 up to 20,000 for $199.99. A plan does not renew by itself. When the term ends it lapses, and you buy another if you want one. Payments are not refundable, apart from the rights the law gives you; the terms have the details.

One rule catches people out: if you have no active plan and spend no credits for 30 days, your balance is frozen until you buy a plan. Your credits are not lost.

You can see live prices on the plans page and the credits page.

Honest limits

• She is not a person. She can misremember, repeat herself or misread a joke. Use “Another take” or correct her.
• No voice replies. Dictation goes in; text comes out.
• The photos are a library. The photos and videos she sends are pre-made, so she cannot produce a specific new picture on request. For that, use a template.
• The character builder does not make chat partners. It makes a still image and, if you want, a video. The builder guide explains what it does and does not do.
• Plans gate features. Longer memory, making videos in the chat and the intimate rating need Pro. HD templates need VIP.
• Some regions are blocked. In some countries and one US state the service shows a “Not available in your region” screen.
• Adults only, and consent matters. The terms prohibit minors, real people without consent and non-consensual imagery, and they end accounts that break those rules.

Where to go next

New here? Start with how to start an AI girlfriend chat, a first-chat walkthrough that shows exactly what you will see. Curious about the roster? Read the character spotlight. Wondering about the builder? See create your own AI girlfriend. Worried about what is stored? Read the privacy and safety guide.

Browse the characters→