Lovli AI vs OurDream in 2026, Who Publishes Rates?

One fact matters more than any feature, companion roster, or interface choice when you compare Lovli AI vs OurDream: one service tells you exactly what every action costs, and the other does not. OurDream.ai publishes a rate card covering image generation, in-chat images, voice calls, and video. Lovli AI lists three subscription plans but never states a per-action credit price anywhere on its public site.

That gap is the core of the comparison. The table above shows the exact monthly, annual, and credit allowances for both services, and this article explains what those numbers mean in practice. The deeper point is what you can know before entering a card number. With OurDream, you can calculate precisely what 1,000 coins buy before paying anything. With Lovli, no equivalent calculation is possible for its 2,000 credits, because no per-action rates exist in the open.

Being able to price a month ahead of signup changes the decision. It separates a buyer who knows the cost from one who discovers it later.

So the verdict, plainly: choose OurDream if you want to know the price of everything before you spend. Choose Lovli only if the curated 24-companion feed is the appeal and $9.99/month is money you can afford to lose.

OurDream vs Lovli AI: A Rate Card vs Silent Credits

Both services hand subscribers a monthly credit allowance, and that’s where the resemblance ends. Lovli AI’s plans include 2,000, 7,000, or 30,000 credits depending on the tier. OurDream’s plans include 1,000 or 5,000 coins. Same idea on paper, but the two companies treat that allowance completely differently.

OurDream vs Lovli AI starts to separate the moment you look for what those coins actually buy. OurDream publishes a rate card in the open, and it’s easy to read:

• Image generation runs 10 coins
• An in-chat image costs 5 coins
• Voice calls are 50 coins per minute
• Video runs 100 coins per 5 seconds

That’s the whole rate card, and it’s enough to plan around. You can sit with a calculator and figure out how many images, calls, or clips a month’s allowance covers before you commit to anything.

Lovli offers no equivalent. It prices its credits, in six public packs from $3.99 for 500 up to $99.99 for 27,000, but it publishes no per-action rate anywhere, so there’s no way to estimate how long a voice call lasts in credits or how many images a month of them covers. The only published item price on the entire site is a lace bra set in the gift shop at 120 credits.

That’s the deciding axis, and it shows up this early: one service lets you meter every extra before you spend, and the other asks you to commit to a subscription and find out the cost afterward.

Lovli AI Pricing: The Three Plans and Their Credit Allowance

Lovli AI pricing comes down to three subscription tiers, and on the surface they look straightforward enough. The monthly plan costs $9.99 and includes 2,000 credits.

The other two plans are where the arithmetic gets interesting:

• The 3-month plan is advertised at $6.66/month, but it’s billed as $19.99 every 3 months and includes 7,000 credits. That $6.66 is never actually charged. It’s a marketing figure, not a price.
• The 12-month plan is advertised at $4.17/month, but it’s billed as $49.99 every 12 months and includes 30,000 credits. Same deal: $4.17 is never actually charged.
• The monthly plan costs $9.99 and includes 2,000 credits, no ad copy required.

The struck-through prices tell you something about how Lovli thinks about its own pricing. The site shows $29.97 and $119.88 as the “original” prices, and those numbers are exactly three times and twelve times the real monthly $9.99, so the honest anchor is the monthly rate multiplied by the number of months in the plan.

What doesn’t check out is what those credits buy. You can compare the three tiers, see that more months means more credits, and even price a credit in cents from the public pack page. What you can’t find is a per-action rate, so the allowance stays a quantity with no unit attached. The $9.99 monthly price tells you what you’ll pay, and nothing on Lovli’s pages tells you how far it goes.

OurDream AI Pricing: Monthly, Annual, Deluxe, and Coin Packs

OurDream AI pricing is easy to read, and that’s exactly the point of this comparison. Where Lovli hands you a credit count and asks you to trust it, OurDream lays out every plan and every coin pack in the open, so you can decide what a month of use actually costs before you commit.

Here’s what OurDream charges:

• The monthly plan runs $19.99/month and includes 1,000 coins per month.
• The annual plan runs $119.88/year, which works out to $9.99/month, and also includes 1,000 coins per month.
• A Deluxe tier costs $59.99/month and includes 5,000 coins per month.
• Coin packs are available separately: 1,000 coins for $11.99 or 5,000 coins for $49.99.

One catch worth flagging: coins do not roll over. Whatever you don’t spend by the end of the month is gone, which matters more than it might seem given the rate card above. If you’re on the $19.99 plan and your 1,000 coins buy ten 5-second video clips at 100 coins each, that’s a tight budget for anyone who likes the video features. The annual plan at $9.99/month is the better deal on paper, but it still lands you the same 1,000-coin allowance, so the savings come from the subscription price, not the coin count.

The coin packs make the arithmetic even more transparent. At $11.99 for 1,000 coins, a top-up costs more per coin than the monthly plan’s included allowance, which is typical for these setups. The 5,000-coin pack at $49.99 works out to roughly a penny per coin, close to the Deluxe tier’s economics. None of this is hidden, and that’s the point: you can price out a month of OurDream before you ever sign up, which is more than can be said for the other side of this comparison.

What DreamCoins Actually Buy: The Math Lovli Won’t Show You

The rate card does more than satisfy curiosity. It turns OurDream AI DreamCoins rates into something you can actually test, which is precisely the exercise Lovli’s silent credits make impossible.

Here’s what the included 1,000 monthly coins buy at OurDream’s published rates:

• Exactly ten 5-second video clips, since video runs 100 coins per 5 seconds.
• About 20 minutes of voice calls, because a voice call costs 50 coins per minute.
• A single 60-second video would cost 1,200 coins, which exceeds the standard monthly plan’s entire allowance.

One minute of video costs more than a whole month’s coin budget, so the video feature is effectively a coin-pack purchase for anyone who wants more than a handful of short clips. The top-up packs exist for exactly that reason, and at least you can price the decision out before you make it.

The tension here is worth flagging. OurDream’s FAQ claims the included 1,000 coins cover all needs including videos, but the rate card says otherwise. Video use burns through the allowance almost immediately, which means the FAQ’s promise and the published prices don’t line up. That’s a fair criticism to level at OurDream, but notice what makes the criticism possible in the first place: the numbers exist, in public, for anyone to check. Run the same test on Lovli, and there’s nothing to multiply.

Lovli’s Credit Packs and the Rate That Isn’t There

Lovli publishes more of its pricing than this comparison so far suggests. Six credit packs sit on a public page: 500 credits for $3.99, then 1,200, 2,800, 6,000, 13,000 and 27,000 at $7.99, $14.99, $29.99, $54.99 and $99.99, carrying bonus credits from 20% up to 80%. Each pack’s advertised saving is the pack’s credits priced at the Starter pack’s own rate minus what the pack costs, and all five check out to the cent.

The pack page also names what credits pay for, in six categories: exclusive photos, videos and live moments, voice and calls, gifts and outfits, custom creation, and private content. So a visitor can price a credit at between 0.37 and 0.798 cents and see the shape of what credits are for, without an account and without paying anything.

What no page anywhere states is a rate. Nothing says how many credits a message costs, or an image, or a minute of a call. The only per-item price on the whole site is a gift-shop lace bra set at 120 credits, which values an outfit and nothing else. With no per-action rate in public, there’s no way to tell whether the 2,000 monthly credits on the $9.99 plan covers a handful of images or many hours of chat.

That’s the central reason Lovli AI premium cost is impossible to calculate before you pay. OurDream gives you two numbers to multiply together, a coin price and a coin cost per action. Lovli gives you the first and withholds the second, which leaves the arithmetic one term short. If you want to know what a month of use actually costs, you’ll find out the same way everyone else does: after the fact, with a card already on file.

Who’s Behind the Charge and Your Recourse If Something Goes Wrong

AI companion subscription pricing is only half the story. The other half is who’s on the other end of that recurring charge, and what happens when you want out. On that axis, the two services are very different.

Here’s the transparency gap in four points:

• OurDream publishes three operating entities, including Tektopia Ltd (Cyprus, registration number HE 473775), and provides a complete compliance suite.
• OurDream honors the EEA/UK/Swiss 14-day withdrawal right, but voids refunds once a user passes usage thresholds.
• Lovli has no official company behind it, and publishes no refund policy or contact page of any kind.
• Track record differs sharply: OurDream’s domain was registered 19 November 2024, while Lovli’s domain was registered 17 July 2026. Lovli carries a BETA badge, and one of its 24 companions is a test fixture called nora-test sitting in the public sitemap.

A subscription business that publishes no contact page, no legal page and no refund page has made a choice about how reachable it wants to be when something goes wrong. Every charge you make to that card has no entity behind it, no jurisdiction to file in, and no published refund policy to hold anyone to.

A November 2024 registration for OurDream versus July 2026 for Lovli means the latter is a much younger operation, and the BETA badge plus the nora-test fixture in its sitemap suggest the product is still being assembled in public. None of that is disqualifying on its own, but it’s the kind of context you want before committing to a recurring subscription.

When you’re comparing AI companion subscription pricing, the rate card gets the attention, but this is the fine print that actually protects you. One service names its operator, files its compliance paperwork, and gives you a legal withdrawal window. The other gives you a credit count, a pack price, and no one to call. That asymmetry should factor into your decision as heavily as any coin allowance does.

OurDream’s Plans: Rollover Rules and Claims That Don’t Hold Up

The OurDream AI subscription plans are simple enough to summarize in a sentence: every standard tier includes 1,000 coins per month, the Deluxe tier includes 5,000, and none of those coins roll over. Whatever you don’t spend by the end of the billing month is gone. That matters when you’re weighing a $19.99 monthly commitment against a $119.88 annual one, because both land you the same 1,000-coin allowance. The savings come from the subscription price, not the coin count.

OurDream’s homepage states that chats are protected by end-to-end encryption that not even the company can read. That’s a strong claim, and it’s exactly the kind of thing a buyer evaluates when choosing between two AI companion services, but the company’s own privacy policy tells a different story. It describes encryption at rest and in transit, which is standard data protection, not the kind of cryptographic guarantee the homepage implies, and the same policy lists chat content among the data used to train models.

Those two statements don’t reconcile. End-to-end encryption that the provider can’t read and chat content fed into model training can’t both be true in the same system. Either the company can read the chats, or it isn’t training on them. The homepage and the privacy policy can’t both be right, and when a marketing page and a legal document disagree, the legal document is the one to trust.

There’s also the billing side. Some users have reported being charged again after cancelling their subscription, and OurDream publicly responded that this was not expected behavior. We’ll take the company at its word there, but this is the second place where what a buyer experiences doesn’t line up with what the service promises. A rebilling incident after cancellation is the kind of thing that erodes trust fast, even if it’s an exception rather than the rule.

The privacy promise is a core selling point of the OurDream AI subscription plans. It’s part of what you’re paying for. If the homepage says your chats are unreadable but the privacy policy says they’re training data, then the promise and the product don’t match. That’s a fair criticism to level at OurDream, and it’s one you should carry into the decision alongside the coin arithmetic and the rate card.

The Free Tier, the Fake Apps, and the Age Gap

The OurDream AI free tier limit is worth understanding before you even think about a paid plan, because it’s not a free tier in the usual sense. Free users pay 1 coin per message, and free users cannot buy coins at all. There’s no top-up option, no way to extend the experience, no path to more messages once the initial allowance is spent. The free tier is a time-limited demo that ends the moment you run out of coins, and then the only way forward is a subscription.

On the paid plans, coins are metered against a rate card you can see and calculate. On the free tier, there’s no rate card to plan around and no way to purchase more coins, so you’re working with a fixed, finite budget that just runs out. It’s not a trial that lets you sample features until you’re convinced. It’s a taste that stops abruptly, and the only way to continue is to commit.

The platform situation deserves a warning of its own, because this is where people get burned:

• Both Lovli AI and OurDream.ai are browser-only services with no official mobile app. If you want to use either one, you’re on a web browser, and that’s it.
• Every OurDream app in either the Apple App Store or Google Play is an impostor. The largest Android lookalike carries a 1.8-star rating, and we’d urge you not to download any app claiming to be this service. There is no official app, so anything with that name in a store is fake.

Age handling is weak on both sides, in much the same way. Lovli states an explicit age range (20 to 36), includes an AI disclosure on every companion page, and puts an 18+ confirmation in front of the site on arrival. OurDream uses a self-declared checkbox. Both are the same kind of control, a visitor stating their own age with nothing checking it, and neither service verifies who’s on the other side of the screen. If that matters to you, know that both are relying on the honor system.

Lovli or OurDream: The Verdict and Where to Look Next

The Lovli or OurDream AI question comes down to one thing, and it’s not the companion roster or the interface. It’s whether you can cost out a month before you pay for it. OurDream.ai publishes its rate card, its plans, and its coin packs, and every one of those numbers is checkable arithmetic. Lovli publishes its plans and its credit packs and then stops one number short, because nothing it prints says what an action costs.

Choose OurDream.ai if you want to know the price of everything before you spend, because the published rate card and coin arithmetic let you check every extra in advance. You can calculate what a month of images, calls, or clips costs before your card is ever charged.

Choose Lovli AI only if the curated 24-companion feed is genuinely the appeal, and only if $9.99/month is money you can afford to lose, because that’s what a Lovli subscription is right now: a bet. No one can tell you how far the credit allowance goes, or who to contact when something goes wrong, since there is no official company behind it and no refund policy anywhere in public. You’re paying for the feed, and the feed alone.

The comparison table above lays out the exact monthly, annual, and credit figures side by side, and it’s worth one more look before you decide. All facts in this comparison were verified in August 2026, and both services were assessed against the same standard: what can you know before you pay, and what happens when you want out.

For the full breakdown, the complete Lovli AI and OurDream.ai reviews on HushVerified go deeper into the specifics that didn’t fit here. If you want the whole picture before you commit, that’s where to look. Our take, in one line: one service lets you see the price before you pay, and the other asks you to trust a monthly charge without knowing what you’ll get.