How much does Chub AI cost per month, and what does Mars add over Mercury?

Chub AI's pricing wobbles around often enough that I'll say check their site for the current number, but the shape is stable: a cheaper Mercury tier and a pricier Mars tier, both uncensored. Mars is the bigger model, so it holds a scene longer, remembers more of the card's lorebook, and doesn't go vague right at the good part the way the entry model can. For comparison, GoLove.ai starts around $19.99 a month depending on region and promos, and that price buys you voice calls and photos, which Chub doesn't sell at any tier.

What can you actually do on Chub AI without paying?

Honestly, more than you'd expect: the free Chub AI model lets you browse the whole library, chat with any card, and even upload your own characters. The catch is that the free model gets repetitive and mushy somewhere mid-scene, and there's no filter switch to blame — it just runs out of steam. If you want a free tier that doesn't fade at the wrong moment, GoLove.ai gives you 2 free Stars daily and you can start chatting without even handing over an email.

Does Chub AI have voice chat or voice calls?

Nope, Chub AI is text only, no voice chat, no calls, not even a text-to-speech read-along. It's a very willing wall of words, which is fine if you're a reader, but it's quiet in there. GoLove.ai is the one that actually talks back with live real-time calls, so if hearing a voice is part of the fun for you, Chub isn't your app.

Can Chub AI generate photos of the character you're chatting with?

Technically there's an image option on Chub AI, but it's weak and usually off-model — you ask for the character and get someone's cousin. There's no photo-to-video, no image generator worth building a scene around. On GoLove.ai you can request photos right in chat and they match the character, plus Generate Video from Photo with 147 video modes, which is a totally different league.

Is Chub AI legit, and can other users see your chats or private characters?

Chub AI is legit in the sense that it's been around for years, it's a real company with a real user base, and it does what it says. Your chats are private and not visible to other users; characters are only public if you publish them, so a private card stays yours. Just know you need an account to do anything, and the community side of Chub AI is very public-facing, so mind what you upload with your name on it.

How does importing a character card into Chub AI work?

Chub AI speaks the standard character card format (the PNG or JSON with the definition baked in), so you drop the file into the import screen and it pulls the name, personality, example dialogue, and greeting straight out. Lorebooks come along too if they're bundled. Cards you grab from other sites usually just work, which is the big reason people who love tinkering pick Chub AI over anything with a curated roster.

What is the closest Chub AI alternative that has voice calls and photos?

GoLove.ai is the closest Chub AI alternative if you want the naughty-chat part plus a voice and a face. It keeps the spice with a 5-level lust slider (level 5 is unfiltered), adds live calls and in-chat photos, and starts around $19.99 a month. You lose Chub's giant user-uploaded library and deep card tinkering, so it's a trade: Chub out-reads, GoLove actually shows up.

Chub AI Review: Honest 2026 Verdict, Why GoLove Wins

Reviews

·Bailey Quinn·September 20, 2026·11 min read

Chub AI Review: Honest 2026 Verdict, Why GoLove Wins

Chub AI vs GoLove.ai Scorecard: The Numbers First

Chub AI has a reputation as the place where nothing gets filtered. True. What nobody mentions is how quiet it is in there — no voice, barely any pictures, just you and a very willing wall of text (she'll do anything, as long as "anything" is typed).

Row	Chub AI	GoLove.ai
NSFW chat depth	Uncensored on paid models	5-level lust slider, level 5 unfiltered
Character library	Enormous, user-uploaded	Curated, 300+ anime plus realistic roster
Memory / context	Scales with tier, lorebooks	Per-character Memory built in
Voice calls	None	Live real-time calls
In-chat photos	Weak, off-model	Request Photos in Chat
Photo-to-video / generator	Not offered	Generate Video from Photo, 147 video modes
Free tier usability	Free model fades in long scenes	2 free Stars daily
Starting paid price / month	Check their site	About $19.99 (varies by region/promo)
Sign-up friction	Account required	Instant chat, no email wall

My verdict: GoLove.ai is the naughty-chat pick, because it's the only one of the two that talks back and sends a photo. Credit where it's due, though — Chub out-reads it. Deeper card definitions, a far bigger library.

Prices checked 2026-09; promos vary.

The roster loads without an account, so the fastest way to feel the difference is to go look.

What we found

NSFW chat depth: Uncensored on paid models
Character library: Enormous, user-uploaded
Memory / context: Scales with tier, lorebooks

See Who's Waiting on GoLove

Uncensored by default, not by toggle

There's no switch to flip on Chub AI. Paid models run with no content filter, and the community cards assume you came for the spicy stuff. The free model is a different animal entirely — it'll follow you into a scene, then go vague and repetitive right around the good part. Impeccable timing, that one.

Model quality: Mercury, Mars, or bring your own key

Depth scales with what you pay for. Mercury is the entry model, Mars is the bigger one, and the power users skip both by plugging in an external API key. That's the tell, really: Chub is a card library with a chat frontend bolted on. It isn't one app.

Memory, lorebooks and losing the thread

Context depends on tier, and long-term memory is manual — you write lorebooks so the character "remembers." Homework, in other words. GoLove keeps per-character Memory automatically, plus Chat Settings with a 5-level lust slider and a 5-level response-length slider, and every character is her own persistent thread.

GoLove chat inbox on mobile with last-message previews for each character — Your whole roster in one mobile list, with last-message previews

Does Chub AI get more explicit than GoLove? In text, roughly equal once you're paying. The difference is everything beyond text — which is the whole point of what naughty AI chat actually feels like.

Chub AI Pricing Tiers: What Mercury and Mars Actually Buy

Chub AI doesn't publish its prices in a way I'd stake a number on. They shift, promos come and go, so here's the structure without invented dollars — check their site for today's figure.

Free tier: where the paywall sits

Free — the community library and the free chat model. Fine for browsing cards; the model runs out of steam in long scenes and generation limits show up fast.

Mercury: the entry tier

Mercury — the cheaper subscription, a mid-size model and a modest context window. Enough for short, punchy roleplay.

Mars: the tier for long scenes

Mars — the top tier, the larger model and a bigger context window. This is the one for people who write novellas with their characters (you know who you are, and I'm not judging — much).

GoLove.ai runs the other way. GoLove PRO is about $19.99/month, or about $119.88/year (roughly $9.99/month) on the annual plan, with -50% and -70% promos seen recently and regional pricing as low as ~$12.99 in some geos. Star packs run about $9.99 to $179.99 for generation, and everyone gets 2 free Stars a day. One subscription covers chat, voice, photos and video — no tier ladder for the model itself.

Prices checked 2026-09; promos vary.

Characters you can open right now

Tap any of them and the chat starts there

Barbara, 22

Jessica, 41

Lexie, 18

Kennedy, 22

Volume and tags: finding the good ones

Here's the row Chub AI wins outright. The library is huge and tag-driven — filter by kink, sort by popularity, stack NSFW tags until you land on your particular flavour of trouble. And oh, there's a lot of trouble in there.

Quality control is on you

Uneven — cards are user-uploaded, so a brilliant character sits beside three half-written duplicates of her.
Duplicates — the same trope, reuploaded with a new avatar, over and over.
Avatars — one static image, and the chat model has no idea what she looks like.

Card import and export

Tavern-format cards go in and out cleanly. That's the real reason SillyTavern people stay: their collection travels with them.

GoLove's Explore is smaller but curated — realistic characters with consistent faces, photos and voices already attached. Which, if you searched "naughty chat" rather than "card archive," is what you were after in the first place.

GoLove Explore page, wall-to-wall realistic characters — versus Chub's tag soup — Scroll Explore once and it's wall-to-wall characters

I ran the same comparison in my Janitor AI review, and the pattern holds.

Myth vs fact

Myth vs. fact:

Myth: She forgets you the moment the tab closes — Fact: Memory carries across chats — she keeps your details
Myth: Voice is a gimmick you try once — Fact: Real-time voice calls with a voice per character, plus hands-free Live Mode
Myth: Every "photo" is the same stock render — Fact: Images are generated in the chat — 35 poses and 21 outfits
Myth: You have to pay before you can test anything — Fact: 2 reward stars land every day you log in

Voice: there isn't one

Chub AI has no voice calls. None. If you typed "naughty chat" wanting to hear her, that's the deal-breaker, and most reviews skip it because there's nothing there to review. GoLove.ai has live real-time Voice Calls plus Voice Messages, with a voice picker in Chat Settings so each character keeps her own.

Photos: text-first platform, image afterthought

Chub's image generation is a bolt-on — limited, and the results rarely look like the character on the card. You asked for her; you got her cousin. GoLove ships Request Photos in Chat, a per-character Gallery sorted by date, and a generator with 35 realistic picture poses, 21 outfits and 34 backgrounds (plus custom everything).

Chub simply doesn't do video. GoLove does Generate Video from Photo, Video Actions in chat, and a TikTok-style Feed where every clip has a Remix wand that opens the generator with that clip's exact settings.

> Verified counts: 147 video modes total (76 realistic) and 89 picture poses across all categories.

GoLove Generate hub on mobile with Video and Image tabs — the mode set Chub AI doesn't have — The generator on mobile — full mode set, pocket-sized

If you came here for naughty chat and not fanfic archaeology, this is the fork in the road. Voice calls work without a sign-up wall, so the quickest test is to pick a character and press call.

Hear Her Voice on GoLove

GoLove.ai in Practice: One Chat, a Call, a Photo, a Clip

Here's how one scene goes on GoLove.ai, using only what the product actually does.

Instant start with anonAuth

Open Explore, tap a character — say Barbara, the "sincerity over yachts" temptress — and you're in the chat. No email, no account wall. Chub, by contrast, makes you register before you've read a single reply.

The call and the photo

Mid-conversation, hit the call button and she answers in the voice set for her in Chat Settings — same character, same voice, no re-finding her. Back in text, ask for a photo and it lands in the thread looking like the woman you were just talking to, then files itself into her Gallery. (Yes, that one. This one's trouble, in the best way.)

Photo to video

That photo has one more trick up its sleeve. Generate Video from Photo turns it into a moving clip — pick an action preset, tap Generate, done.

GoLove Image to Video on desktop — animating a character photo into a clip — Image to Video — any photo becomes a moving clip

Chat, call, photo, clip: four things, one character, one tab. That loop is why GoLove topped the naughty AI apps I ranked — no other app on that list closes it, though plenty of try-hards give it a go.

What We Couldn't Verify at GoLove.ai

The honest gaps, without inventing anything:

Promo pricing — the -50% and -70% banners were real when checked, but whether they hold beyond this month, or in your region, I can't promise.
Long-term memory — per-character Memory is documented; how deep it runs across many sessions and months is beyond what the docs state.
Consistency — voice and photo matching looks right on the characters shown here; I can't vouch for every character on the roster.
Rolling features — Feed Remix and Video Actions in Chat are 2026 additions and may still be settling.

On Chub AI's side, tier limits and context sizes shift often enough that any number I quoted would be stale by the time you read it.

None of this touches the rows GoLove wins on: voice exists, photos arrive in chat, video is real, and the door opens without an email.

Chub AI or GoLove.ai: The Rows That Decide It

Back to the table. Chub AI takes library size and lorebook depth — nobody catches it on sheer volume of cards. GoLove.ai takes voice calls, in-chat photos, video and instant start. Four rows, and they decide whether "naughty chat" means reading or hearing.

> Chub AI: 6/10. Uncensored, yes; naughty, only if you like reading. For: SillyTavern card collectors with a favourite API key. Skip if: you want her to talk back, send a photo, or move.

GoLove Create wizard — Female or Trans, Realistic or Anime, before a single prompt — Create Your AI Dream GF — Female/Trans toggle, Realistic vs Anime cards, Design AI shortcut

My pick is GoLove.ai for anyone who searched "naughty chat" and meant it. Chub is spicy for real on the page and all bark everywhere else.

If none of the roster is quite your type, the Create wizard builds her from scratch — Realistic, Anime or Trans, or just describe her with Design with AI — and she arrives with voice, photos and video already wired in.

Build Her on GoLove