Literotica
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Literotica has been the dominant name in online erotic fiction since the late 1990s, and the archive is correspondingly vast: stories are organised by category, submitted by a large ongoing community of writers, and rated by readers. The forum section lets writers and readers interact, which gives the site a genuine community dimension beyond a simple story database.
Everything is free and no account is needed to read. An account is required to submit stories, rate, and comment. If erotic fiction is what you are looking for, this is where most of the web’s output ends up.