Naughty Chats Review: Features, Pricing & My Test Results
By Miles Foster, Owner and tester, RankDude. Tested 18 October 2026, published 18 October 2026.
My rating
A girlfriend who remembers everything you tell her.
Best for deep, fast text chats with matching photos.
Based on 7 graded tests (of 10; the others could not be graded) and my verdict. How I rate
Naughty Chats is an adult AI girlfriend chat site with photos. I tested it hands-on: I typed 90 timed messages to three characters, ran three memory tests, made 20 photos, built a character in the creator and counted every character. Everything I measured is in the Naughty Chats test results.
The short version: the chat is excellent. Replies come in about a second, every character remembered everything, and the photos keep the same face. But there's no voice, video or calls yet.
My rating is 4.0 out of 5.
Quick verdict
Biggest strengths
- Remembers everything
- Stays in character
- Replies in about a second
- Same face in every photo
Biggest weaknesses
- No voice, video or calls yet
- Only 198 characters
- Crypto or Discord to pay
Best for: People who want deep, fast text chats with a girlfriend who remembers them, plus matching photos. Not for voice or video.
How I tested
I tested Naughty Chats myself on 18 October 2026, on an account the Naughty Chats team provided.
There are no voices, videos or calls yet, so I couldn't test those.
Every number and screenshot is in the full test results.
Naughty Chats at a glance
| Category | Grade | In short |
|---|---|---|
| Price | 4/5Good | |
| Making your own | 4/5Good | |
| Reply speed | 4/5Good | |
| Memory | 5/5Excellent | |
| Staying in character | 5/5Excellent | |
| Photos | 5/5Excellent | |
| Videos | n/a/5Not scored | |
| Call speed | n/a/5Not scored | |
| Voice quality | n/a/5Not scored | |
| Choice of characters | 2/5Below average | |
| My verdict | −0.1 | |
| Overall | 4.0/5Good |
What Is Naughty Chats?
Naughty Chats (naughtychats.ai) is an adult AI girlfriend chat site. You text one of 198 characters or build your own, and ask her for photos.
Each character has a long backstory, a personality and an opening scene. You can try any of them with a few free messages before signing up.
It's explicit: chats and photos can be uncensored. Video calls are on the way but not live yet.
Naughty Chats pros and cons
Pros
- Perfect memory in long chats
- Deep, consistent characters
- Replies in about a second
- The same face in every photo
- Detailed character creator
- Paid once, never renews
Cons
- No voice, video or calls yet
- Only 198 characters
- Pay with crypto or a card link on Discord
- 'Live' badges before calls are live
Naughty Chats Pricing & Value
- Price
- 4/5Good
What it costs
1 month
$12.99 oncePrice
Price
- Works out at
- $12.99 a month
3 months
$29.99 oncePrice
Price
- Works out at
- $10 a month
12 months
$59.99 oncePrice
Price
- Works out at
- $5 a month
What I think
It's good value. Premium gives unlimited messages and 100 to 120 tokens a month, and a photo is just 2 tokens.
You pay once and it never renews. The catch is how you pay: with crypto, or by asking on Discord for a card payment link.
More in the pricing test results.
Creating a Character on Naughty Chats
- Making your own
- 4/5Good
What it offers
Five steps cover her style, looks, personality, your relationship and her story. You can write her backstory yourself.
Building Hana, step by step
I made Hana Mori: 25, Japanese, slim, straight black hair, amber eyes, a shy photographer who loves coffee.
There's plenty of control, and gold eyes were close to the amber I wanted. There's no voice, outfit or body detail beyond four body types.
The result
Hana was ready in 31 seconds, and her portrait matched my brief: long straight black hair, gold eyes, slim.
She knew her whole story. She told me she's from Kyoto, shoots portraits and street photos, and orders a flat white every morning. She was shy and caring, just as I'd set.
What could be better
Outfit choices and a voice, once voices arrive. The details are in the customization test results.
Naughty Chats Chat: Speed, Memory & Personality
- Reply speed
- 4/5Good
- Memory
- 5/5Excellent
- Staying in character
- 5/5Excellent
What it offers
Unlimited text chat on Premium. Beside the chat is a list of what she remembers about you, which you can edit or delete.
What I found
Replies are fast: about 1 second before the first words, and about 4 seconds for a whole reply, even though they're long and full of little actions.
Memory is perfect. I told each character a made-up name and three things about me. After 31 messages, all three remembered everything. Molly: 'Daniel. You're a teacher. You grew up in Glasgow. And your favourite food is lamb curry.'
They feel like real people. Maeve the Boston bartender told stories about her Uncle Fergus, Molly fussed over her kittens, and Dana the night nurse answered a weather question with 'Sugar, I'm a nurse, not a meteorologist.'
The timings and quotes are in the chat test results.
What could be better
Hardly anything. Some will find the replies long.
Naughty Chats Photos
- Photos
- 5/5Excellent
What it offers
Ask any character for a photo in chat, with quick buttons or your own words. Each costs 2 tokens and is refunded if it fails. There are no videos.
What I found
The photos are excellent. All 20 matched what I asked for and looked real, in about 30 seconds each. Maeve had the same face in every one.
Best of all, the photos know her story: a Boston pub sign, a 'Kiss me I'm Irish' apron, and pierogi on the café table, the food I'd told her about.
The numbers are in the image test results.
What could be better
Videos from these photos would be a great next step.
Naughty Chats Voice & Video Calls
- Call speed
- n/a/5Not scored
- Voice quality
- n/a/5Not scored
There are no voices yet: chat is text only. The Video call button opens a 'coming soon' screen, and calls will be for Premium members first.
The home page already shows 'Live' badges on the characters, which can be confusing. I'll test calls once they launch.
Naughty Chats Characters
- Choice of characters
- 2/5Below average
There are 198 characters, realistic and anime, all women aged 21 or older. Categories include Asian, Latina, mature, dominant, fantasy and monster girls.
It's a small library, but every character is carefully written, with a backstory, interests and an opening scene.
Additional Features
- Memory list: see and edit what she remembers about you.
- Try before you sign up: a few free messages with any character.
- Discord community: also where you ask for a card payment link.
- No voice messages, gifts or feed yet.
Final verdict: is Naughty Chats worth using?
Naughty Chats has some of the best chat I've tested: fast replies, characters who remember everything and feel like real people, and photos that keep their face and even know their story.
It's text and photos only for now, the library is small, and paying by card takes a trip to Discord. If you want the best texting experience, it's well worth it.
My rating is 4.0 out of 5. Every number and screenshot is in the full test results, and you can see how it compares on my ranked list.
Best for: People who want deep, fast text chats with a girlfriend who remembers them, plus matching photos. Not for voice or video.
My rating: 4.0/5, from a test score of 4.1/5. The ten grades say where it is strong and where it is not.
Frequently asked questions
How much does Naughty Chats cost?
$12.99 for a month, $29.99 for 3 months or $59.99 for a year, paid once. Nothing renews.
Does Naughty Chats remember me?
Yes. All three characters I tested remembered my name and all three facts after 31 messages.
Does Naughty Chats have voice or video calls?
Not yet. Video calls are listed as coming soon, for Premium members first.
Can I pay by card?
Through Discord for now. The site takes crypto; for a card, you ask on Discord for a payment link.
Miles FosterOwner and tester, RankDude
Disclosure. I tested on an account the Naughty Chats team provided. They didn’t pay for this review, didn’t see it first and had no say in my rating. Links to Naughty Chats are plain links, not affiliate links. How RankDude makes money is on the disclosure page.