The Blender Platform vs Sail Loans
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
The Blender Platform
This app facilitates peer-to-peer lending and borrowing using blockchain technology. Users can create credit lines, set interest rates, and assess borrower credibility. Funds are managed through a virtual wallet with interest accruing upon withdrawal.
- Create custom credit lines
- Set interest rates and payment terms
- Assess borrower credibility with statistics
- Lend and borrow cryptocurrency
- Manage funds via virtual wallet
- Blockchain-powered transactions
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Lend and Borrow. The Blender Platform is a blockchain powered open-end credit platform in which authenticated users can create their own credit-lines (and set their preferred interest rates and minimum monthly payments) using smart contracts on the xDAI Blockchain. Potential lenders may browse through available smart contracts on the platform, assess borrower credibility with quantitative statistics and choose to which borrowers to lend money. Borrowers receive lent funds from lenders via the borrowers' credit-lines. Upon the receipt of funds, the borrower must withdraw the funds for release into the borrower's Blender Wallet. At the point of final withdrawal of funds from the smart contract into the borrower's virtual wallet, the withdrawn funds begin to accrue the interest at the rate designated by the borrower at the credit line's creation. The borrower is now to repay these funds, and a lack of doing so results in poor statistics on the platform and decreased credibility. In addition, lenders may reclaim the remaining liquid portions of their contributions which have not yet been withdrawn, at will. The Blender Platform reserves the right to obtain owed funds from delinquent borrowers as described in our terms, available online at https://lenderblock.io/termsandconditions-tbp Blender Pro Plus subscription offers benefits including lending to borrower accounts commission-free, free global transfers to friends and family, access to collateral-free credit-limit increases for borrowers via the Blender Verified Registry, access to live-support, and zero monthly Blender Wallet charges. Blender Pro Plus Membership is an auto-recurring monthly subscription of 7.99 USD per cycle; members may cancel at any time. The Blender Platform Terms of Use: https://lenderblock.io/termsandconditions-tbp The Blender Platform Privacy Policy: https://lenderblock.io/privacypolicy-tbp
Sail Loans
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.
- 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
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Complete our loan application and get approved for up to $4,000 within minutes of submitting your information. Your money will be deposited directly into your bank account and the rest will be placed into a secure account. Finish your application before 1:30 pm CST to receive your funds the same day, restrictions may apply. Within this app, you can edit your customer profile and view your savings with a simple click of a button. You can also manage and review your re-payment options, as well as make payments towards your loan without ever leaving home. You can also access your custom Refer-A-Friend code to earn extra cash. Max APR is 35.99%. Loan terms range from 12 – 24 months with loan amounts from $100 – $4,000. Repayment Plans: - Installment Payments: You may pay back your loan principal plus accrued interest through a number of scheduled payments made over the loan term. - Full Payment: You may pay back your loan in full at any time without any prepayment charges. - Early or Partial Payment: You may make an early or partial principal payment on your loan at any time with no prepayment penalties. Representative example of the total cost of the loan: Loan amount of $1,000.00 with loan term of 12 months; APR of 35.99%. Your bi-weekly repayment will be $46.06. The total of payments will be $1,197.55 and your cost will be $197.55. Download now!
Screenshots
Verdict
The clearest difference is review sentiment: Sail Loans at 100% against The Blender Platform's 20%. Sail Loans also leads on in-app purchases (none vs 2) and ads (none vs shown). The Blender Platform's advantage is update cadence (every 3 days vs every 3 months) and ratings volume (31 vs 5). On price and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. The Blender Platform sells 2 in-app purchases, starting at $7.99 per month. Sail Loans asks for nothing beyond the download.
Sail Loans holds the better App Store score, 3.8 against 3.3. That said, the two scores are not equally well evidenced: The Blender Platform has 31 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 20% of The Blender Platform's written reviews are positive against 100% of Sail Loans's.
The Blender Platform ships an update every 3 days, Sail Loans every 3 months. Both last shipped on October 24, 2026.
| Parameter | The Blender Platform | Sail Loans |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (31 ratings) | 3.8 (5 ratings) — better |
| Positive reviews | 20.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 31 — better | 5 |
| Update frequency | Every 3 days — better | Every 3 months |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 17.0 | 13.4 — better |
| Further details — not scored | ||
| Size | 40 MB | 24 MB |
| Age rating | 17+ | 4+ |
| Developer | Lender Block LC | Americash Loans LLC |
Customer experience
The Blender Platform
Sail Loans
In-app purchases
The Blender Platform
- Blender Pro Plus$7.991 Month
- Blender Wallet Deposit$0.99
Sail Loans
No in-app purchases
Questions
Is The Blender Platform free?
Is Sail Loans free?
Which has better reviews, The Blender Platform or Sail Loans?
Do The Blender Platform or Sail Loans have ads?
Which is updated more often, The Blender Platform or Sail Loans?
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