RankDude

Naughty Chats Review: Features, Pricing & My Test Results

Naughty Chats during the test
Tested 18 Oct 2026

My rating

4.0/5Good

Fast chat with characters who remember everything you tell them. No voice, video or calls yet.

Best for: deep, fast text chats with matching photos of the same face. Not for voice or video.

Tested

Tested and written by Miles Foster

Based on 7 graded tests (of 10; the others could not be graded) and my verdict. How I rate

I tested Naughty Chats, an AI girlfriend app, with 90 timed messages to 3 characters, 3 memory tests, 20 photos and a character of my own. Replies came in about a second, all 3 characters remembered everything, and all 20 photos kept the same face. There is no voice, video or calls yet, and the library has 198 characters. Everything I measured is in the Naughty Chats test results.

Naughty Chats at a glance

CategoryGradeIn short
PriceFrom $5 a month, paid once4/5Good
Making your ownDetailed and accurate4/5Good
Reply speedAbout a second per reply4/5Good
MemoryAll three remembered everything5/5Excellent
Staying in characterDeep, believable characters5/5Excellent
PhotosSame face in all 20 photos5/5Excellent
VideosNot offered yetn/a/5Not scored
Call speedCalls coming soonn/a/5Not scored
Voice qualityNo voices yetn/a/5Not scored
Choice of characters198 characters2/5Below average
My verdict−0.1
Overall4.0/5Good

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. You can try any of them with a few free messages before signing up.

It's explicit: chats and photos can be uncensored.

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
Plan, Price, Works out at
PlanPriceWorks out at
1 month$12.99 once$12.99 a month
3 months$29.99 once$10 a month
12 months$59.99 once$5 a month

Naughty Chats Premium plans for 12 months, 3 months and 1 month

Naughty Chats Premium plans for 12 months, 3 months and 1 month
The Premium plans. You pay once.

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

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.

Naughty Chats character creator, looks step

Naughty Chats character creator, looks step
Her looks: 8 eye colours, 8 hairstyles and 7 hair colours.

Naughty Chats character creator, personality step

Naughty Chats character creator, personality step
Nine personalities.

Naughty Chats character creator, story step

Naughty Chats character creator, story step
Your relationship, her job and up to five hobbies.

Naughty Chats character creator, name and backstory step

Naughty Chats character creator, name and backstory step
Her name, a tagline and your own backstory.

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.

Naughty Chats custom character Hana Mori with long black hair and gold eyes

Naughty Chats custom character Hana Mori with long black hair and gold eyes
Hana, 31 seconds after I created her.

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.

The details are in the customization test results. Outfit choices and a voice are missing.

Naughty Chats Chat: Speed, Memory & Personality

Reply speed
4/5Good
Memory
5/5Excellent
Staying in character
5/5Excellent

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.'

Naughty Chats chat where Maeve recalls the name, job, hometown and favourite food

Naughty Chats chat where Maeve recalls the name, job, hometown and favourite food
Maeve after 31 messages: name, job, hometown and food.

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.

Naughty Chats Photos

Photos
5/5Excellent

The photos are excellent. I asked in chat with quick buttons or my own words. All 20 matched what I asked for and looked real, in about 30 seconds each, and a failed photo is refunded. Maeve had the same face in every one.

Naughty Chats: ten generated photos of the character Maeve in different scenes

Naughty Chats: ten generated photos of the character Maeve in different scenes
My 10 safe-for-work photos of Maeve. Same face every time.

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.

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.

Naughty Chats video call screen saying video calls aren't live yet

Naughty Chats video call screen saying video calls aren't live yet
Video calls aren't live yet.

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

The characters are 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 it?

Naughty Chats has excellent chat: 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 to text a girlfriend who remembers you, it's well worth it.

Every number and screenshot is in the full test results, and you can see how it compares on my list of AI girlfriend platforms.

Best for: People who want deep, fast text chats with a girlfriend who remembers them, plus matching photos. Not for voice or video.

Visit Naughty Chats

Video review · 4:45

Watch me test Naughty Chats

The whole test in 5 minutes: a look around, pricing and credits, creating a character, chat: memory and speed, photos and video. Captions and the full transcript are one click away.

Chapters · 7

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.

What score did Naughty Chats get?

4.0 out of 5. The chat is excellent: replies in about a second and perfect memory. There is no voice, video or calls yet, and the library has only 198 characters.

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. Chat is text only.

Can Naughty Chats make photos?

Yes, and they are very good. All 20 matched what I asked for, took about 30 seconds each, and kept the same face. A photo costs 2 tokens, and a failed one is refunded.

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 affiliate links: if you subscribe after following one, Naughty Chats pays RankDude a commission. It never changes my rating. How RankDude makes money is on the disclosure page.