# LendingPoint vs Sail Loans

The clearest difference is rating: LendingPoint at 4.8 against Sail Loans's 3.8. LendingPoint also leads on ratings volume (3.2K vs 5) and update cadence (fortnightly vs every 3 months). Sail Loans's advantage is review sentiment (100% vs 62%) and iOS requirement (13.4 vs 15.1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

LendingPoint holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: LendingPoint has 3.2K ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 62% of LendingPoint's written reviews are positive against 100% of Sail Loans's, so the app with the better star average is not the one people write more warmly about.

LendingPoint ships an update fortnightly, Sail Loans every 3 months. Both last shipped on October 25, 2026.

## The numbers

| Metric | LendingPoint | Sail Loans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.2K ratings)](https://appshunter.io/ios/app/lendingpoint/id1488985079/reviews)** | [3.8 (5 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews) |
| Number of ratings | **3.2K** | 5 |
| Positive reviews | 62.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 months |
| Monetization | Free | Free |
| Size | 36 MB | 24 MB |
| Requires iOS | 15.1 | **13.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LendingPoint LLC](https://appshunter.io/developer/1488985078) | [Americash Loans LLC](https://appshunter.io/developer/1529566329) |

## What reviewers say

### LendingPoint

[App page](https://appshunter.io/ios/app/lendingpoint/id1488985079)

Manage your personal loans and financial goals with this comprehensive finance app. Check loan rates, make payments, and update your information seamlessly. It's designed to help you achieve financial well-being.

**Highlights:** Check personal loan rates, Manage existing loans, Make loan payments, Update personal information, Track financial goals, Hassle-free account management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast service
- 👍 Easy process
- 🤝 Helpful customer service
- 💰 Reasonable rates
- 🙏 Compassionate in difficult times

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔒 Login and account access issues
- 📆 Inflexible payment scheduling
- 🤖 Unreliable app and website

**Reported bugs**

- App freezes on contact information page
- Unable to log in or access account
- Inconsistent app and website functionality

**Requested features**

- Allow extra payments without issues
- Improve app stability and user experience
- Provide more transparency on loan details


### Sail Loans

[App page](https://appshunter.io/ios/app/sail-loans/id1578869732)

Apply for loans up to $4,000 with funds deposited directly into your bank account. Manage your repayment options, make payments, and access referral codes to earn extra cash. Offers installment, full, or early/partial payment options.

**Highlights:** Loan application up to $4,000, Same-day fund deposit, Customer profile editing, Loan repayment management, Refer-A-Friend program, Installment and full payment options

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is LendingPoint free?

LendingPoint is free to download, with no in-app purchases.

### Is Sail Loans free?

Sail Loans is free to download, with no in-app purchases.

### Which has better reviews, LendingPoint or Sail Loans?

LendingPoint is rated higher. LendingPoint averages 4.8 out of 5 from 3.2K ratings, while Sail Loans averages 3.8 from 5 ratings.

### Do LendingPoint or Sail Loans have ads?

Neither LendingPoint nor Sail Loans shows ads.

### Which is updated more often, LendingPoint or Sail Loans?

LendingPoint ships an update fortnightly, and Sail Loans every 3 months. Most recently, LendingPoint was updated on October 25, 2026 and Sail Loans on October 25, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*