diff --git a/app/components/Modal.tsx b/app/components/Modal.tsx
index 4454620..1fa95ce 100644
--- a/app/components/Modal.tsx
+++ b/app/components/Modal.tsx
@@ -1,3 +1,5 @@
+import { ReactNode } from "react";
+
 import CheckIcon from "@/app/components/icons/CheckIcon";
 import SpinnerIcon from "@/app/components/icons/SpinnerIcon";
 import XIcon from "@/app/components/icons/XIcon";
@@ -5,7 +7,7 @@ import XIcon from "@/app/components/icons/XIcon";
 interface ModalProps {
   title: string;
   type: "loading" | "success" | "error";
-  message: string;
+  message: ReactNode;
   onClose?: () => void;
 }
 
diff --git a/app/dashboard/coverage/handlers/handle-create-prs.ts b/app/dashboard/coverage/handlers/handle-create-prs.ts
index 294533d..f2e4234 100644
--- a/app/dashboard/coverage/handlers/handle-create-prs.ts
+++ b/app/dashboard/coverage/handlers/handle-create-prs.ts
@@ -1,7 +1,16 @@
+import { getCreditBalance } from "@/app/actions/supabase/owners/get-credit-balance";
 import { PRResponse } from "@/app/dashboard/coverage/types";
+import { CREDIT_PRICING } from "@/config/pricing";
+import { Installation } from "@/types/github";
 import { Tables } from "@/types/supabase";
 import { fetchWithTiming } from "@/utils/fetch";
 
+export type InsufficientCreditsInfo = {
+  balance: number;
+  required: number;
+  numPRs: number;
+};
+
 /**
  * Handle creating GitHub PRs for selected coverage items
  */
@@ -12,11 +21,14 @@ export async function handleCreatePRs({
   currentRepoName,
   accessToken,
   hasLabel = false,
+  ownerId,
+  installations,
   setCoverageData,
   setSelectedRows,
   setActionSuccess,
   setError,
   setIsCreatingPRs,
+  setInsufficientCredits,
 }: {
   selectedRows: number[];
   coverageData: Tables<"coverages">[];
@@ -24,14 +36,29 @@ export async function handleCreatePRs({
   currentRepoName: string;
   accessToken: string;
   hasLabel?: boolean;
+  ownerId: number;
+  installations: Installation[] | undefined;
   setCoverageData: (fn: (prev: Tables<"coverages">[]) => Tables<"coverages">[]) => void;
   setSelectedRows: (rows: number[]) => void;
   setActionSuccess: (success: boolean) => void;
   setError: (error: string) => void;
   setIsCreatingPRs: (loading: boolean) => void;
+  setInsufficientCredits: (info: InsufficientCreditsInfo | null) => void;
 }) {
   if (selectedRows.length === 0) return;
 
+  // Pre-flight credit check: skip for subscription users
+  const currentInstallation = installations?.find((inst) => inst.owner_id === ownerId);
+  if (!currentInstallation?.hasActiveSubscription) {
+    const balance = await getCreditBalance(ownerId);
+    const required = CREDIT_PRICING.PER_PR.AMOUNT_USD * selectedRows.length;
+    if (balance < required) {
+      console.log("Insufficient credits:", { balance, required, numPRs: selectedRows.length });
+      setInsufficientCredits({ balance, required, numPRs: selectedRows.length });
+      return;
+    }
+  }
+
   setIsCreatingPRs(true);
   try {
     const selectedCoverages = coverageData.filter((item) => selectedRows.includes(item.id));
@@ -48,7 +75,7 @@ export async function handleCreatePRs({
           accessToken,
           hasLabel,
         }),
-      }
+      },
     );
 
     // Update local state with PR URLs
@@ -57,7 +84,7 @@ export async function handleCreatePRs({
         const pr = prs.find((p) => p.coverageId === item.id);
         if (pr) return { ...item, github_issue_url: pr.prUrl };
         return item;
-      })
+      }),
     );
 
     setSelectedRows([]);
@@ -67,7 +94,7 @@ export async function handleCreatePRs({
     setError(
       typeof error === "object" && error !== null && "message" in error
         ? String(error.message)
-        : "Failed to create PRs"
+        : "Failed to create PRs",
     );
   } finally {
     setIsCreatingPRs(false);
diff --git a/app/dashboard/coverage/page.tsx b/app/dashboard/coverage/page.tsx
index 928ec9c..f6d89c6 100644
--- a/app/dashboard/coverage/page.tsx
+++ b/app/dashboard/coverage/page.tsx
@@ -17,6 +17,7 @@ import LoadingSpinner from "@/app/components/LoadingSpinner";
 import Modal from "@/app/components/Modal";
 import Toast from "@/app/components/Toast";
 import RepositorySelector from "@/app/settings/components/RepositorySelector";
+import { CREDIT_PRICING } from "@/config/pricing";
 import { RELATIVE_URLS } from "@/config/urls";
 import { STORAGE_KEYS } from "@/lib/constants";
 import { safeLocalStorage } from "@/lib/local-storage";
@@ -37,7 +38,7 @@ import {
 } from "./constants/filter-options";
 import { SYNC_MESSAGES } from "./constants/sync-messages";
 import { fetchCoverageData } from "./handlers/fetch-coverage-data";
-import { handleCreatePRs } from "./handlers/handle-create-prs";
+import { handleCreatePRs, InsufficientCreditsInfo } from "./handlers/handle-create-prs";
 import { handleSelectAll } from "./handlers/handle-select-all";
 import { handleSelectRow } from "./handlers/handle-select-row";
 import { handleSort } from "./handlers/handle-sort";
@@ -55,6 +56,7 @@ export default function CoveragePage() {
     organizations,
     accessToken,
     currentInstallationId,
+    installations,
     userId,
     userLogin,
     userName,
@@ -96,6 +98,9 @@ export default function CoveragePage() {
   const [isTogglingExclusion, setIsTogglingExclusion] = useState(false);
   const [isSettingUpWorkflow, setIsSettingUpWorkflow] = useState(false);
   const [showSetupModal, setShowSetupModal] = useState(false);
+  const [insufficientCredits, setInsufficientCredits] = useState<InsufficientCreditsInfo | null>(
+    null,
+  );
 
   // Load sort settings from localStorage
   useEffect(() => {
@@ -383,7 +388,7 @@ export default function CoveragePage() {
           selectedRows={selectedRows}
           isCreatingPRs={isCreatingPRs}
           onCreatePRs={(hasLabel) => {
-            if (!currentOwnerName || !currentRepoName || !accessToken) {
+            if (!currentOwnerName || !currentRepoName || !accessToken || !currentOwnerId) {
               setError("Missing required repository information");
               return;
             }
@@ -395,11 +400,14 @@ export default function CoveragePage() {
               currentRepoName,
               accessToken,
               hasLabel,
+              ownerId: currentOwnerId,
+              installations,
               setCoverageData,
               setSelectedRows,
               setActionSuccess,
               setError,
               setIsCreatingPRs,
+              setInsufficientCredits,
             });
           }}
           onToggleExclusion={handleToggleExclusion}
@@ -487,6 +495,25 @@ export default function CoveragePage() {
         />
       )}
 
+      {insufficientCredits && (
+        <Modal
+          title="Insufficient Credits"
+          type="error"
+          message={
+            <>
+              Your balance is ${insufficientCredits.balance.toFixed(2)}, but creating{" "}
+              {insufficientCredits.numPRs} PR{insufficientCredits.numPRs === 1 ? "" : "s"} requires
+              ${insufficientCredits.required.toFixed(2)} (${CREDIT_PRICING.PER_PR.AMOUNT_USD}/PR).{" "}
+              <a href="/dashboard/credits" className="text-pink-600 hover:underline font-medium">
+                Purchase credits
+              </a>{" "}
+              to continue.
+            </>
+          }
+          onClose={() => setInsufficientCredits(null)}
+        />
+      )}
+
       {/* If no data exists: show sync status or last sync time */}
       {!isLoadingDB && coverageData.length === 0 && gitHubSyncStatus && (
         <Modal