The honest way to compare companion apps is by persona control. OhChat leads on how much of a written character reaches actual behaviour; Muah AI is looser and more permissive, Talkie offers a vast community library instead of deep authoring, and FantasyGF puts its effort into visuals.
Every companion app promises a personality you design, and the promise means something different in each case. Some hand you a free-text brief and honour most of it. Some hand you a catalogue of characters other people wrote. Some treat the persona as a caption under a picture. Those are three genuinely different products, and choosing between them is easier once you say which one you want.
The comparison below therefore ignores follower counts and marketing claims and looks at four questions: how much character you can specify, how much of that specification changes her behaviour, whether she stays in it, and how painful a rewrite is.
App
Persona authoring
Traits that reach behaviour
Ready-made characters
Stays in character
Free tier
OhChatThe most direct line between what you write and how she answers.
Written traits, free-form
Broad
Few
Strong
Includes persona building
Muah AIFewest content restrictions of the group; less predictable character-holding.
Written traits, permissive
Moderate
Some
Variable
Limited
TalkieLibrary first: thousands of community characters rather than deep authoring.
Card-style creator
Moderate
Very many
Moderate
Generous
FantasyGFVisual-first; the persona mostly describes an appearance.
Preset-led builder
Narrow
Many
Moderate
Limited
Which one to pick
Muah AI — writers who want the fewest walls
The most permissive of the set, which for some people is the only variable that matters. You can write a character in plainer, blunter terms and expect fewer refusals, at the cost of some consistency: personas here hold well early and wander more as a session runs long.
What works
Very few content restrictions
Free-form persona text, not preset menus
What to know
Character holds less reliably over long sessions
Interface assumes you already know what you want
Talkie — browsing characters instead of writing them
A different proposition entirely: an enormous library of community-made characters, with a card-based creator if you want to add your own. If you would rather discover a persona than author one, this is the strongest option here, and the free tier is the most usable of the group.
What works
Vast catalogue of ready-made characters
Genuinely generous free access
What to know
Authoring is shallower than a free-text brief
Content rules are tighter than adult-first rivals
FantasyGF — picture-led companions
Built around appearance, with a preset-driven builder that gets you to a consistent-looking character quickly. The persona layer is thinner — it describes how she looks and broadly how she flirts rather than how she thinks — but for image-forward use that is a reasonable trade.
What works
Fast, coherent visual character building
Strong image output relative to text-first apps
What to know
Written traits change behaviour less
Presets limit unusual or contradictory characters
The short answer
If you want to author a character and watch the authoring matter, OhChat is the one to start with, and its free tier lets you test that claim without paying to find out. If you would rather browse someone else's characters, Talkie wins on sheer volume; if you want pictures with a persona attached, FantasyGF is honest about being that; if permissiveness outranks everything, Muah AI is the loosest.
Whatever you choose, write three behavioural lines rather than three paragraphs of biography before you judge the app. Half the disappointment attributed to weak models is really a persona that never told the character how to act.