Magic Hour

Magic Hour is a browser-based suite of more than 100 AI video, image and audio tools run by Magic Hour AI, Inc., a Y Combinator Winter 2024 company founded in 2023 by Runbo Li and David Hu; this listing covers only its AI UGC Ad Generator. You pick one of 90+ preset AI actors or upload a photo of your own actor, optionally add a product image for the opening shot, type the dialogue (or upload audio on supported models), then choose a model, clip length and resolution; the editor prints the credit cost on the Generate button before anything is spent. Loaded signed out on 2026-09-30, the editor listed three models — LTX-2.5 (the default: 48 credits per second at 480p, 96 at 720p, 144 at 1080p), Kling 3.0 ('72 per sec', up to 1080p) and Veo 3.1 ('360 per sec', 720p) — and gated Kling 3.0 and Veo 3.1 (padlocked), 720p/1080p and clips longer than 5 seconds (tagged 'Creator+') behind the Creator plan or higher. Credits are one balance shared across every Magic Hour tool, sold as monthly or annual subscriptions and one-time packs, and Magic Hour states that unused credits never expire, including after a subscription is cancelled. No human creators are involved and nothing is filmed or shipped. A no-signup version on the product page allows 3 clips a day of 3 seconds each. The usage figures on the site — 40M+ AI videos generated, 800K+ creators in the last 30 days, 3.8M+ creators overall — are company-reported and not verified here.

1. 01

   Actor photo in, talking ad out

   Choose one of 90+ preset AI actors or upload a photo of your own actor, then type what they should say. The UGC help guide makes an actor image required and a product image optional.

2. 02

   Opening-shot control

   You set the pose, background and product that appear in the first frame. Magic Hour says avatars can physically hold a product when it is included in that opening shot — its claim, not tested here.

3. 03

   Three models, priced per second

   On 2026-09-30 the editor listed LTX-2.5 (default; 48, 96 or 144 credits per second at 480p, 720p or 1080p), Kling 3.0 ('72 per sec', '1080p') and Veo 3.1 ('360 per sec', '720p'). Kling and Veo require Creator or higher.

4. 04

   Credit quote before you generate

   The Generate button carries the cost of the current settings — 'Generate 3s Video 144' on the defaults — and the help center says to budget from that quote rather than from the pricing page's estimates.

5. 05

   Clips of 1 to 60 seconds

   LTX-2.5's duration menu runs from 1 to 60 seconds (1-second steps to 10, then 5-second steps). Lengths from 6 seconds up carry a 'Creator+' tag, a plan tier that Magic Hour's help center says a credit pack does not replace.

6. 06

   Script or your own audio

   Type the lines, or upload script audio on supported models for more control over delivery. The product page notes that language support varies by model and advises previewing each result.

7. 07

   No-signup daily allowance

   The generator embedded on the product page gives 3 clips a day of 3 seconds each without an account. The help center says no-signup results are not necessarily saved to My Library, and the page's privacy panel lists 'Retention: 1 day' — download before leaving.

8. 08

   One non-expiring balance across 100+ tools

   UGC clips draw on the same credits as lip sync, dubbing, video translation, face swap and upscaling, and Magic Hour states that unused credits never expire, including after cancellation.

9. 09

   Concurrent generations by plan

   3 generations at once on Creator, 5 on Pro and unlimited on Business, per the pricing page. The product page says most videos finish in 3-10 minutes.

• Marketers who want UGC-style actor clips on the same credit balance as a wider AI toolkit — lip sync, dubbing, video translation, face swap, image tools
• Irregular buyers who dislike losing unused allowance — credits roll over with no expiry, even after cancelling
• Cheap hook and opening-shot tests on LTX-2.5 at 480p (48 credits per second) before rendering finals at 1080p or on Veo 3.1
• Brands that hold the rights to their own spokesperson or creator photo and want that face on screen rather than a stock avatar
• Trying the format with no card — 3 free 3-second clips a day, or 400 credits on a free account

Look elsewhere if

• Campaigns that need a real person, location or hands-on product demonstration — Magic Hour's own FAQ says hiring creators 'may still be a better fit' there
• Anyone planning to make UGC ads on a credit pack alone: per Magic Hour's docs a pack does not unlock plan-gated settings, and the editor gates clips over 5 seconds, 720p/1080p and the Kling and Veo models behind Creator
• High-volume ad production on premium models: at Veo 3.1's 360 credits per second, a Creator month (12,000 credits) is about 33 seconds of video
• Teams that need the UGC generator inside an API or MCP pipeline — as of 2026-09-30 we found no UGC-ad endpoint in the OpenAPI schema or in the tool list of Magic Hour's MCP documentation
• Buyers who want a refundable trial of a full-length ad — the 400-credit refund threshold is crossed within seconds of generated video
• Procurement that needs a deep review record: 13 Trustpilot reviews and 28 Product Hunt reviews of the whole suite are what we could read on 2026-09-30

Pricing

Free (Basic)$0/moCreator$19/mo month-to-month, or $144/yr billed yearly ($12/mo equivalent)Pro$39/mo month-to-month, or $300/yr billed yearly ($25/mo equivalent)Business$99/mo month-to-month, or $792/yr billed yearly ($66/mo equivalent)One-time credit packsFrom $10 for 4,000 credits in the API docs' table; the live line-up was in flux on 2026-09-30Enterprise / teamsCustom

as of 2026-09-30View official pricing(opens in a new tab)Compare all pricesIs this a fair rate?

All figures read on 2026-09-30. CURRENCY: magichour.ai/pricing localizes by visitor location — loaded directly from our connection in Tokyo it rendered in yen (Creator ¥2,985 month-to-month, or ¥1,880 a month billed as ¥22,560 a year). The USD figures in this record are Magic Hour's own USD list rather than a USD render of that page: llms.txt ('Current USD list prices, reviewed September 19, 2026') and both API-docs billing pages give all three plans, /ai-info gives the Creator figures, and the help center's credits article uses the example '$12 per month billed yearly means $144 for the year'. BILLING TOGGLE: the page loads with Yearly selected, so each card's bold per-month figure ($12 / $25 / $66 at the USD list prices) is the annual-billed equivalent of $144 / $300 / $792 a year, with the month-to-month price ($19 / $39 / $99) struck through beside it; clicking Monthly swaps in the month-to-month price labelled 'Billed monthly'. The help center says '4 months free' describes savings against monthly billing, not a free trial. Credits are the same either way: 12,000 / 25,000 / 70,000 a month, or 144,000 / 300,000 / 840,000 a year. WHAT THE CREDITS BUY IN THE UGC TOOL: the editor (magichour.ai/create/ai-ugc-ad-generator), loaded signed out, listed LTX-2.5 at 48 credits per second for 480p, 96 for 720p and 144 for 1080p; Kling 3.0 as '72 per sec' and '1080p'; Veo 3.1 as '360 per sec' and '720p'. LTX-2.5 clip lengths run 1 to 60 seconds; lengths from 6 seconds up and 720p/1080p carry a 'Creator+' tag, Kling 3.0 and Veo 3.1 carry a padlock, and choosing either opened a dialog reading '… requires Creator or higher'. The default 3-second 480p clip is quoted at 144 credits. The pricing page's per-tool table converts plans into '33 seconds' (Creator), '1 minutes' (Pro) and '3 minutes' (Business) of AI UGC Ad Generator output a month on monthly billing, and 7 / 14 / 39 minutes a year on annual — figures consistent with Veo 3.1's 360 credits per second (our arithmetic) — against 8 / 17 / 49 minutes a month of Image-to-Video; the help center describes those figures as estimates at example tool settings. CREDIT PACKS IN FLUX: on repeated loads minutes apart, the pricing page alternated between two pack line-ups — 4,000/12,000/32,000/64,000 credits and 5,000/15,000/40,000/80,000 credits, both badged -10%/-15%/-20% — while the API docs list 4,000 credits $10, 12,000 $27, 32,000 $64 and 64,000 $120 at 10%/20%/25% off. Read the pack price at checkout. SMALLER INCONSISTENCIES: the Creator card lists 'High resolution 1024px' while the UGC editor offers 1080p from Creator up (the API docs say resolution is set per tool, not as one cap per plan); the Creator card marks priority support with a cross while the pricing FAQ says paid subscribers receive it; and the UGC help guide says script-audio upload needs LTX-2.3 and is unavailable in 'the current LTX-2.5 script workflow', yet we did not see LTX-2.3 in the editor's model list on 2026-09-30, and the 'Upload script audio' tab opened an audio drop zone with LTX-2.5 selected. Pricing excludes tax, which Stripe adds at checkout where required (pricing FAQ). Subscriptions cancel from My Plan and end at the close of the billing cycle.

Ratings

4.9 out of 5(28 reviews)on ProductHunt— read the ProductHunt reviews (opens in a new tab)3.5 out of 5(13 reviews)on Trustpilot— read the Trustpilot reviews (opens in a new tab)

Turnaround

Magic Hour's product-page FAQ: 'Most videos generate in 3-10 minutes depending on length and complexity', with a notification when a video is ready and several able to run at once — 3 concurrent generations on Creator, 5 on Pro and unlimited on Business per the pricing page. The Terms disclaim any warranty that the service will be timely, and as of 2026-09-30 we found no delivery SLA on the product page, pricing page or Terms.

Min. spend

$0 to try: 3 no-signup clips a day (3 seconds each) on the product page, or a free account's 400 signup credits (the default 3-second 480p clip is quoted at 144 credits). The smallest purchase is a one-time credit pack — the API docs list Starter at $10 for 4,000 credits — which adds watermark-free commercial use but, per Magic Hour's docs, not plan-gated settings; since the editor marks clips longer than 5 seconds as Creator+, a UGC ad over 5 seconds starts at $19/month (Creator, month-to-month).

Usage rights

Terms of Service section 3(a), last revised September 19, 2026: 'Subject to these Terms and applicable law, you own all Assets you create with the Platform.' Its Commercial Use paragraph: 'Customers who purchase a paid subscription or credit pack may use Assets commercially, subject to these Terms and any rights applicable to their Prompts, Uploads, or third-party content. Assets created without a paid subscription or credit-pack purchase are limited to personal, non-commercial use.' The same section warns that Assets 'may not be unique across users'. The UGC product page adds that paid users can run the videos on Facebook, Instagram, TikTok, YouTube, Google Ads and Amazon 'without additional fees or attribution'. The pricing FAQ goes further ('full ownership, including copyright and intellectual property rights'), while the help center says ownership is 'not a guarantee that copyright exists in every output' and tells users not to assume a recognizable person, brand or song is cleared. Under Terms 4(c) you warrant that uploads were legally obtained and covenant not to infringe anyone's intellectual property, privacy or publicity rights, so the rights to an uploaded actor photo are yours to secure.