Fanvue vs LoyalFans (2026): Fees, Payouts and Which to Pick

Choosing between Fanvue and LoyalFans usually comes down to what kind of creator you are. Fanvue leans modern and AI-forward, built around a discovery feed; LoyalFans is built for kink and fetish creators who want a full toolkit rather than a bare subscription page. Both take the same headline cut, so the real differences hide in payouts, discovery, and content rules. Here's how they stack up in 2026, based entirely on each platform's published terms — never on "we tested." For the wider field, our alternatives pillar puts both in context.

Fees and what you keep, side by side

Both platforms use the industry-standard split: a 20% platform fee, so creators keep 80%. There's no cost advantage either way — the same cut you'd pay at OnlyFans or across most rivals in our reviews index.

The one wrinkle is Fanvue's onboarding perk: new creators keep 85% for their first month before dropping to the standard 80/20 split. LoyalFans keeps a flat 80% from day one with no promotional bump. Over a full year that first-month bonus is marginal, but for a creator launching with a big external push it can matter.

Payouts: minimums, holds, schedules, methods

This is where the two genuinely diverge.

• Minimum: Fanvue pays out from $20 (rising to roughly $50 in some regions). LoyalFans sets a $50 minimum, or $200 for international wires, with smaller balances rolling over to the next period.
• Schedule and holds: Fanvue is on-request with a 7-day pending hold that can extend up to 28 days, then 3-7 business days to arrive. LoyalFans pays twice monthly — pay periods end around the 1st and mid-month — and lands within about 7 working days. Neither is fast, and Fanvue's worst-case 28-day hold is the single slowest number on either side.
• Methods: Fanvue offers bank transfer worldwide, MassPay and Cosmo eWallets, and crypto (with a 1% TripleA fee). LoyalFans covers ACH, Canadian EFT, SEPA, UK bank, Paxum and PagoMundo free of charge, with wires costing $20-45 and crypto $20 — but notably no PayPal, Venmo or CashApp.

If you're outside the US/EU, Fanvue's worldwide bank transfer plus eWallet coverage is the more flexible net. If you're in a region LoyalFans supports natively, its free routes can be cheaper.

Discovery and features

Both platforms beat a bare subscription feed on discovery — the main reason creators look past OnlyFans in the first place.

Fanvue's Discover feed surfaces creator intro videos alongside internal search, and it actively boosts fast-growing accounts. LoyalFans leans on tag and category search that gives smaller creators a real shot at being found.

On tooling they aim at different creators:

• Fanvue: subscriptions, PPV posts priced $3-$500, pay-to-view messages, tips, and — its signature — native AI creator tools backed by an explicit, labeled AI policy.
• LoyalFans: subscriptions, PPV, uncapped tips, video and audio stores, live streaming, paid one-on-one sessions, and shoutouts, plus official Lovense and Kiiroo interactive-toy integrations documented in its own help center.

LoyalFans is the deeper toolkit for live and interactive selling; Fanvue is the better fit if AI content or a video-first discovery funnel is central to your plan.

Content rules and niche fit

Both allow adult content, but the boundaries differ.

Fanvue permits explicit material behind the paywall yet requires public profile areas to stay strictly SFW, which limits how explicitly you can self-promote on-platform. Its standout is that published AI policy: AI content is allowed as long as it's disclosed and carries a visible AI tag. Independent estimates (Sacra) put roughly 15% of Fanvue's revenue as AI-driven, so expect a heavy AI-creator presence — a plus if that's your lane, a drawback for fans seeking real people only.

LoyalFans is openly fetish- and kink-friendly within card-network limits, and is popular with femdom and fetish creators. It bans the usual prohibited categories — minors, non-consensual content, bestiality, incest roleplay, scat/urine, extreme gore, and arranging escorting or paid meetups — but within those lines it's more permissive toward kink than most mainstream feeds. If your niche is fetish, that plus the toy integrations is a strong signal.

Who should pick which

Pick Fanvue if...

• You want the lowest entry barrier to a payout ($20 minimum) and worldwide bank coverage.
• AI content is part of your brand and you want a platform that labels it openly.
• You value a video-led Discover feed and growth boosts, and can live with public profiles staying SFW.
• The 85% first month lines up with a launch push.

Just weigh the possible 28-day hold and the $50 administrative fee that applies per extra dispute if chargebacks exceed 1.5% in a rolling 30-day period.

Pick LoyalFans if...

• You're a kink, fetish or femdom creator who wants interactive tools — live streaming, paid 1-on-1s, toy integrations and video/audio stores.
• You can use its free payout rails (ACH, SEPA, EFT, UK bank, Paxum, PagoMundo).
• Predictable twice-monthly payouts suit you better than an on-request cycle with a variable hold.

Just note the $50 minimum ($200 for wires), the absence of PayPal/Venmo/CashApp, and that free trials require a registered card (a 10-cent validation charge) and auto-convert to paid subscriptions.

Bottom line

Neither wins on price — 20% is 20%. Fanvue (rated 3.9) edges ahead on payout accessibility, worldwide banking and AI-friendly discovery, while LoyalFans (rated 3.7) is the richer home for kink creators who want live, interactive and store-based selling. Pick Fanvue for reach and a modern funnel; pick LoyalFans for fetish depth and interactive tooling. For the full picture, read our Fanvue review and LoyalFans review, see how each fares against the market leader in Fanvue vs OnlyFans and LoyalFans vs OnlyFans, or browse the best platforms to weigh other options.