# Sail Pay vs Loca

The clearest difference is review sentiment: Loca at 95% against Sail Pay's 0%. Loca also leads on rating (4.4 vs 4.0) and ratings volume (55 vs 8). Sail Pay's advantage is update cadence (every 5 days vs fortnightly) and iOS requirement (15.6 vs 18.0). 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.

Loca holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: Loca has 55 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 0% of Sail Pay's written reviews are positive against 95% of Loca's.

Sail Pay ships an update every 5 days, Loca fortnightly. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Sail Pay | Loca |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (8 ratings)](https://appshunter.io/ios/app/sail-pay/id1552172196/reviews) | **[4.4 (55 ratings)](https://appshunter.io/ios/app/loca-explore-and-earn/id1670420863/reviews)** |
| Number of ratings | 8 | **55** |
| Positive reviews | 0.0% of reviews | **95.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 days** | Fortnightly |
| Monetization | Free | Free |
| Size | 98 MB | 214 MB |
| Requires iOS | **15.6** | 18.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Umbrella Applications, LLC](https://appshunter.io/developer/1515502396) | [Loca US, Corp.](https://appshunter.io/developer/1670420865) |

## What reviewers say

### Sail Pay

[App page](https://appshunter.io/ios/app/sail-pay/id1552172196)

This app facilitates group payments, allowing users to instantly split transactions in person or online. It supports both one-time and recurring expenses, eliminating the need to chase payments from others. Create groups of two or more to start splitting costs effortlessly.

**Highlights:** Instant transaction splitting, In-person and online payments, Supports recurring transactions, Create groups for splitting, Eliminates need to ask for money back

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

**In-app purchases:** none


### Loca

[App page](https://appshunter.io/ios/app/loca-explore-and-earn/id1670420863)

Earn cash rewards by promoting local businesses through video and participation in reward programs. Share ads with your network, discover local gems, and get paid for your content and visits. Turn everyday recommendations into income with flexible earning opportunities.

**Highlights:** Earn cash for sharing local ads, Participate in reward programs, Discover and promote local businesses, Film, upload, and earn, Flexible work schedule and content, Secure in-app wallet for payouts

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Sail Pay free?

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

### Is Loca free?

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

### Which has better reviews, Sail Pay or Loca?

Loca is rated higher. Sail Pay averages 4.0 out of 5 from 8 ratings, while Loca averages 4.4 from 55 ratings.

### Do Sail Pay or Loca have ads?

Neither Sail Pay nor Loca shows ads.

### Which is updated more often, Sail Pay or Loca?

Sail Pay ships an update every 5 days, and Loca fortnightly. Most recently, Sail Pay was updated on November 3, 2026 and Loca on November 7, 2026.

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