Both platforms take 20% and leave you 80%, so the fee is a tie. The real differences are the native selling tools, discovery, payout schedule and audience size. Here is the honest comparison, written for US creators deciding where to build.
Last updated July 2026
We will tell you honestly whether LoyalFans, OnlyFans or both fit your goals, then promote, price and message for you on whichever you choose. Free, confidential application, a reply within 24 hours, and your login and payouts stay yours.
LoyalFans and OnlyFans both keep 20% and pay creators 80%, so on fees they are identical. LoyalFans wins on built-in tools, with a native video store, live streaming, one-to-one video calls and paid audio, plus a searchable database for discovery. OnlyFans wins on audience, with by far the largest pool of buyers already used to paying. Choose LoyalFans if live, calls and a store are central to how you sell; choose OnlyFans if reaching the most buyers with the least friction matters more. Many creators run both.
Want the full picture on the newer platform first? Read what LoyalFans is, then come back to compare.
| LoyalFans | OnlyFans | |
|---|---|---|
| Platform fee | Standard 20%, you keep 80% | Flat 20%, you keep 80% |
| Native selling tools | Video store, live streaming, one-to-one video calls, paid audio | Subscriptions, PPV and messages |
| Discovery | Searchable creator database fans can browse | None to speak of; you bring every visitor |
| Payout schedule | Twice a month via ACH, wire, SEPA or Paxum | Weekly or on demand via bank transfer |
| Referral income | 5% of what creators you refer earn | No creator referral program |
| Audience size | Smaller, established multi-niche base | Largest buyer base of any platform |
| Buyer familiarity | Fans may need a nudge to sign up | Millions already have accounts and pay |
| Best for | Live, calls and a built-in store in one place | Reaching the most ready-made buyers |
Both platforms keep 20% of everything you earn and pay you the other 80%. There is no first-year discount on either, no hidden tier that changes the split for most creators. So if you are choosing based on price, stop: this row cancels out. What you keep depends on how much you sell and to how many buyers, which is decided by the next three sections, not the rate.
This is LoyalFans' clearest advantage. Alongside subscriptions and PPV, it bundles a native video store, live streaming with tipping, one-to-one video calls and paid audio. OnlyFans gives you subscriptions, PPV and messages, and not much else natively. If your income leans on live sessions or premium calls, LoyalFans lets you run all of it in one dashboard instead of stitching a cam site or booking tool onto the side. If you mostly sell photos, clips and PPV, that extra toolkit matters less and OnlyFans covers you fine.
Tools do not matter if nobody sees them. OnlyFans has by far the largest base of buyers who already have accounts and are used to paying, which lowers the friction on every sale. LoyalFans is smaller, and while its searchable database helps fans find you, you will do more of the work bringing buyers in. For a creator with an existing audience to import, that gap narrows. For a creator relying on the platform to supply buyers, OnlyFans' size is a real edge. Either way, neither platform truly markets you, so getting listed in a creator directory fans actually browse and promoting off-platform does more for your reach than the choice between the two.
OnlyFans pays weekly or on demand by bank transfer, which is fast and simple. LoyalFans pays twice a month via ACH, wire, SEPA or Paxum, usually within about seven business days of each period closing, and adds a 5% referral cut on creators you bring in. If cash-flow timing is tight, OnlyFans' faster schedule is a small but real plus. Neither difference should decide it on its own, but if you are close after weighing tools and audience, these tip the scale.
Pick OnlyFans if your priority is reaching the most buyers with the least friction, and you sell mainly photos, clips and PPV. Pick LoyalFans if live streaming, video calls or an à la carte store are central to how you earn, and you have an audience you can bring yourself. The strongest play for many creators is both: OnlyFans as the main storefront for reach, LoyalFans for its live and store features, then double down on whichever converts better after a couple of months. Whichever you choose, the platform is only half the job. Compare the newcomers too in what Fansly is and our full OnlyFans alternatives roundup.
LoyalFans or OnlyFans, neither one promotes you or answers your buyers. We do both: we promote where your buyers gather, price your offers, and put trained chatters on your messages around the clock. You keep your login and payouts and the large majority of what you earn.
Apply to FansPromo freeIt depends on what you need. LoyalFans wins on built-in tools, with a native video store, live streaming, video calls and paid audio that OnlyFans does not match. OnlyFans wins on audience, with by far the largest pool of buyers already used to paying. Since both take 20%, the fee is a tie, so the honest answer is LoyalFans for a richer toolset and OnlyFans for the biggest buyer base.
Neither pays more per dollar: both keep 20% and leave you 80%. What differs is how you can earn. LoyalFans gives you more native formats to sell, a store, live and calls, while OnlyFans gives you a bigger audience to sell to. Your take-home depends on which platform fits how you sell and where your buyers already are, not on the headline rate, which is identical.
If live streaming, video calls or an à la carte store are central to how you earn, LoyalFans builds all of that in and is worth trying. If your priority is reaching the largest number of buyers with the least friction, OnlyFans is the safer default. Many creators run both, using OnlyFans as the main storefront and LoyalFans for its live and store features, then keep whichever converts better.
Yes, and plenty of creators do. Running both lets you reach OnlyFans' large audience while offering LoyalFans' live streams, video calls and store to fans who want them. The main cost is your time, since two platforms mean two sets of messages and content to manage. Cross-promoting between them and comparing conversion after a couple of months tells you where to focus.
Yes. LoyalFans is an established platform that verifies creator identity, processes payments through standard processors, and pays creators worldwide, the same as OnlyFans. It draws some complaints about payout timing and support, so keep your own records. Your safety on either platform depends mostly on your habits: keep every transaction on-platform and never move a buyer to a gift card, crypto or outside app.
How LoyalFans works, what it costs, and whether it is legit and safe.
PlaybookUsing the store, live, calls and messages to actually earn on LoyalFans.
RoundupEvery major OnlyFans alternative compared on fees, audience and best fit.
Captions, bios, DM scripts, tip menus, pricing and more, generated in seconds. No card needed.