MyGirlFund no longer loads and nobody can log in or cash out. These seven sites sell the same thing, paid chat and private photos, and publish how they pay.
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MyGirlFund is offline. In October 2026 its home, login and signup pages all fail to load, and we could not find a closure notice from the company. The closest MyGirlFund alternatives for a model who earned from chatting and selling photos are HerFans, OnlyFans, Fansly, LoyalFans, SextPanther, Arousr and Phrendly. The first four give you your own page and pay about 80% of each sale. The last three find buyers for you and keep more of each message.
We run HerFans, one of the sites in this list, so weigh the ranking with that in mind. Every figure below comes from each company’s own pages or from our earlier reviews of their terms, and where a site publishes nothing we say so.
We cannot tell you the company has closed, because it has not said so. What we can tell you is what happens when you try to use it. Here is everything we checked.
| What we checked | What we found in October 2026 |
|---|---|
| mygirlfund.com home page | Does not load. The server behind the domain does not answer |
| Login and signup pages | Same error, so nobody can log in, apply or cash out |
| A closure notice from the company | None that we could find, on the site or anywhere else |
| What people type into Google | Autocomplete suggests “mygirlfund closed” and “mygirlfund shut down” |
| Trustpilot profile | 12 reviews, TrustScore 2.1, unclaimed, 92% one star |
| What the 2023 and 2024 reviews say | Models reporting cash outs that never arrived and support emails that bounced |
A site that cannot be reached for login is, for practical purposes, a site you cannot earn on. One Trustpilot reviewer wrote in August 2024 that she tried to cash out nearly $2,000 and was refused. Another wrote in November 2023 that she had not received a penny in over a year. Those are individual accounts on an unclaimed profile, not findings, but they line up with a platform that stopped answering long before the domain did.
If MyGirlFund comes back, your account may still be there. Until it does, the buyers who knew you on MGF have no way to pay you, and every week without a working page is a week they spend somewhere else.
MyGirlFund was built around conversation. A member messaged you, you talked, and he paid for the chat and for the photos and videos you sent. So the fair comparison is with sites that sell messages and media, not with clip stores. They fall into two groups. On a fan page you set the prices and bring the audience. On a chat marketplace the site brings the buyers and sets most of the rates.
| Platform | What it sells | What the model keeps | Who brings the buyers |
|---|---|---|---|
| HerFans | Subscription, paid posts, priced photos and clips in messages, per-minute chat, tips, customs | 80% of every sale type | You do, plus our explore page |
| OnlyFans | Subscription, paid posts, paid messages, tips | 80% of everything | You do |
| Fansly | Subscription tiers, paid posts, paid messages, tips | 80% of everything | You do, plus tag discovery |
| LoyalFans | Subscription, store, paid messages, live streams | 80% (20% fee in its terms) | You do |
| SextPanther | Paid texts, calls, locked media, tips | Not published; models report about 60% on texts, 75% on calls, 80% on tips | Its directory, and you |
| Arousr | Paid texts, voice and video calls, pics and clips, tips | $0.25 per text sent, $0.70 a minute on voice, 50% of content and video, 40% of tips | Arousr buys the traffic |
| Phrendly | Flirty texts, calls and gifts, no nudity | $0.35 per reply, 70% of calls, 90% of gifts | Its member base |
The last column matters more than it looks. MyGirlFund had members browsing for someone to talk to, so many models never had to promote themselves. Arousr, SextPanther and Phrendly work the same way, and they charge for it with a lower share. If you already have regulars who would follow you, a fan page pays more of every dollar. If you do not, a marketplace gives you buyers on day one.
A share is easier to judge in dollars. Here is $500 of buyer spending under each platform’s rules.
| Platform | What $500 of buyer spending pays you | What decides it |
|---|---|---|
| HerFans | $400 | Flat 20% on subscriptions, messages, chat and tips |
| OnlyFans | $400 | Flat 20% |
| Fansly | $400 | Flat 20% |
| LoyalFans | $400 | 20% fee in its terms |
| SextPanther, all texts | About $300 | Model-reported 60% on texts; the site publishes no rate |
| Arousr, all photo and clip sales | $250 | 50% of credits on content |
| Arousr, all tips | $200 | 40% of credits on tips |
Arousr’s text rate is fixed per message, not a percentage, so it does not fit a row here. It pays $0.25 for each text you send in a paid session, and its FAQ tells members that each host message costs them 14 credits. Arousr shows what a credit costs only inside its app, so nobody outside can work out the split on texts. Phrendly is in the same position with its $0.35 per reply.
After a site that stopped paying, how the next one pays is the first thing to read. This is what each company puts in writing.
| Platform | How you are paid | Minimum and timing |
|---|---|---|
| HerFans | Bank transfer to an account in your name | From $10 on request, sent within 3 business days, after a 30 day pending period per sale |
| OnlyFans | Depends on your country | $20 on most methods, about 7 days pending, then 3 to 5 business days to a US bank |
| Fansly | Paxum, US ACH, SEPA, SWIFT or crypto | $20 by Paxum or ACH, 7 days pending |
| LoyalFans | ACH, wire, SEPA or Paxum | $50, twice a month |
| SextPanther | Not published; models report direct deposit or check | Reported $20, twice a month |
| Arousr | Direct deposit or bank wire | Weekly, for the previous week; no minimum published |
| Phrendly | See its help center | $10 minimum, US and Canada only |
HerFans is the slowest here and we would rather you hear it from us. Each sale waits 30 days, the window in which refunds and most card disputes arrive, and 10% of it stays in reserve until day 120 (card sales up to day 206). Then you request a payout from $10 and we send it within 3 business days. If you need money inside two weeks, OnlyFans, Fansly or Arousr’s weekly payouts will suit you better. What we offer in exchange is terms you can read before you sign up, on a pricing page that says the same thing as your dashboard.
You cannot message your old buyers through MGF, so the move happens from outside it.
On HerFans your subscribers can write to you, you put a price from $5 to $500 on any photo or clip you send in a message, and you can charge by the minute for live text chat. Our guide to making money sexting covers pricing for each, and sites like SextPanther compares the chat marketplaces in more detail.
We are not lawyers, and nothing here is legal advice. These are the practical steps that cost nothing and keep your options open.
Then put your energy into the page that can pay you. If you want the wider field beyond chat, start with our list of the best OnlyFans alternatives.
What reaches you and how each site pays. Figures from each company’s own pages; where nothing is published, the cell says so.
| Platform | Creator keeps | Payouts | Best for |
|---|---|---|---|
| HerFans | 80% of everything (flat 20%) | $10 minimum, within 3 business days, after a 30 day pending period per sale | Models with regulars who want one written rate |
| OnlyFans | 80% of everything | $20 minimum, about a week pending | Models who can bring a large audience |
| Fansly | 80% of everything | $20 minimum, 7 days pending | Models who want discovery by tags |
| LoyalFans | 80% (20% fee in its terms) | $50 minimum, twice a month | Models who want a store and live streams |
| SextPanther | Not published (reported 60% texts) | Reported $20, twice a month | Models with a following who want paid calls |
| Arousr | $0.25 per text, 50% content, 40% tips | Weekly by direct deposit or wire | Models with no audience who will show their face |
| Phrendly | $0.35 per reply, 70% calls, 90% gifts | $10 minimum | Flirty chat with no nudity, US and Canada |
Fees and payout terms are set by each platform and can change. Figures reflect publicly listed terms; check each site for current rates.
A flat 20% on subscriptions, paid posts, priced photos and clips in messages, per-minute chat, tips and custom requests, with no seller plan and no monthly cost. Signup is open to women 18 and over, and a person reads every ID before a creator can publish or be paid, so there is no follower count to meet. Custom request money is held when you accept and released when you deliver. What we do not have is MyGirlFund’s crowd of members browsing for someone new: most of your buyers will be people you bring, helped by our explore page. We also do not offer voice or video calls, and each sale pends 30 days before you can withdraw it from $10.
OnlyFans takes a flat 20% on subscriptions, paid posts, paid messages and tips. Payouts wait about 7 days, then take 3 to 5 business days to reach a US bank, from a $20 minimum on most methods. It has almost no discovery, so it rewards models who arrive with an audience, and creators have no say over refunds. If your MGF regulars already have an OnlyFans account, asking them to subscribe there is the least friction.
Fansly writes its 80% into its terms of service and lets creators decide refunds. Its tag-based explore page sends new buyers to new accounts, which is the nearest thing a fan page has to MyGirlFund’s browsing members. Every sale pends 7 days, so money lands in about 9 to 12 days. After 12 months without logging in it charges $5 a month from your balance. Our Fansly review has the detail.
LoyalFans’ terms set its fee at 20% of what the fan pays, and its payout page lists twice monthly payouts from a $50 minimum by ACH, wire, SEPA or Paxum. You can sell single items from a store beside your subscription, which suits models who sold photo sets one at a time on MGF. Support is by email only. See our LoyalFans review.
SextPanther sells paid texts, per-minute calls, locked media and tips, and buyers browse a directory of models, so the day-to-day feels the most like MyGirlFund. It publishes no split, schedule or minimum on its public pages. Models report about 60% on texts, 75% on calls and 80% on tips, paid twice a month from $20. It asks applicants for an established following and accepts residents of the US, Canada, the UK and the EU. Our SextPanther review covers what is and is not written down.
Arousr advertises for you and sends members to your chat, so you can earn with no audience at all. Its rates page pays $0.25 for each text you send in a paid session, $0.70 a minute on voice, 50% of credits on photos, clips and video calls, and 40% on tips, weekly by direct deposit or bank wire. The conditions are strict: your face must be visible in every application photo, paid content must show nudity, and steering a member to another platform closes your account without appeal. We read its performer agreement in our Arousr review.
Phrendly pays $0.35 for each reply to a paid message, 70% of call revenue after a $0.20 per minute charge, and 90% of the value of virtual gifts, from a $10 minimum. Nudity is not allowed and it accepts earners in the US and Canada only. If what you liked about MyGirlFund was getting paid to talk and you would rather keep it flirty, it is the fit. Our Phrendly review has the full rate card.
Women 18 and over can apply with a government ID. A person reviews it. No follower minimum.
Subscribers message you, you price any photo or clip from $5 to $500, and you can charge by the minute for live text chat.
A flat 20% on every sale type, the same on the pricing page and in your dashboard. No seller plan.
Request a payout from $10 once a sale has cleared its 30 day pending period.
Sign up in seconds with email, pick a creator name, and set up your profile. No upfront cost.
Upload photos and videos, set a monthly subscription price, and lock premium posts behind pay-per-view.
Fans subscribe, tip and unlock your content. You ask for a payout from your dashboard once your available balance reaches the published minimum. Each sale is pending for 30 days, the period in which refunds and most card disputes arrive, and 10% of it is held as a reserve until day 120. For a sale paid by card, the reserve is held longer, up to day 206, because our card processor keeps its own reserve on that payment for 26 weeks and it is released to you once it has been returned to us.
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