You cannot simply buy individual credits on demand whenever you want without a membership. You must acquire them through specific channels:

Complete the checkout to add the book to your permanent library. ⚠️ Important Credit Rules to Remember

If you dislike a book you bought with a credit, Audible allows you to return it within a specific window to get your credit back.

If you run out of credits and have been a member for at least 30 days, Audible often lets you buy a bundle of 3 extra credits at a discounted rate.

If you cancel your Audible membership, you will lose any remaining unspent credits instantly. Use them before you cancel!

An Audible credit allows active members to purchase any audiobook in the platform's catalog, regardless of its retail price. 🎧 What is an Audible Credit?