Sail Loans vs AscentConnect
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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!
AscentConnect
Manage your student loans with ease. Apply for new loans, track your balance, and update billing information. Build healthy financial habits by making timely payments and exploring exclusive student benefits.
- Apply for loans
- Manage loan payments
- Track loan balance
- Update billing information
- Set up autopay
- Access exclusive student benefits
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AscentConnect, created by Ascent Funding*, helps you apply for a loan and manage your payments easily. Stay up-to-date on your loan balance so you never miss a payment and update your billing info when you need to. TRUSTED BY STUDENTS Applying for a loan and accessing your loan information 24/7 has never been easier with Ascent’s mobile app. BUILD HEALTHY FINANCIAL HABITS Making payments on time, setting up autopay, and paying more than the minimum amount due can help you build healthy financial habits early. GET EXCLUSIVE BENEFITS With an Ascent loan, you’ll get access to free, interactive resources to help you achieve academic milestones, career breakthroughs, & financial independence with exclusive resources and access to paid internship opportunities.** Bright Futures™ are ahead! Download the AscentConnect mobile app today! By downloading this mobile application, I agree that I have read and understand Ascent's online Terms and Conditions (https://www.ascentfunding.com/terms-conditions/), Privacy Policy (https://www.ascentfunding.com/privacy-notice/), and Electronic Communications Consent (https://www.ascentfunding.com/electronic-communication-disclosure/). I also agree that I am at least 18 years old or the age of majority in my state of residence. *The AscentConnect mobile app is serviced by Launch Servicing, LLC. Mobile carrier fees may apply. **Ascent applicants and borrowers that agree to the AscentUP Terms of Service and Privacy Policy, as well as students associated with an Ascent parent loan application, have access to the AscentUP platform.
Screenshots
Verdict
The clearest difference is review sentiment: Sail Loans at 100% against AscentConnect's 43%. Sail Loans also leads on rating (5.0 vs 3.9) and ads (none vs shown). AscentConnect's advantage is ratings volume (278 vs 3) and update cadence (every 3 weeks vs every 3 months). On price, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
Sail Loans holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: AscentConnect has 278 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 100% of Sail Loans's written reviews are positive against 43% of AscentConnect's.
Sail Loans ships an update every 3 months, AscentConnect every 3 weeks. The most recent releases landed on October 16, 2026 and October 19, 2026 respectively.
| Parameter | Sail Loans | AscentConnect |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | 3.9 (278 ratings) |
| Positive reviews | 100.0% of reviews — better | 42.6% of reviews |
| Number of ratings | 3 | 278 — better |
| Update frequency | Every 3 months | Every 3 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.4 — better | 15.1 |
| Further details — not scored | ||
| Size | 24 MB | 59 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | Ascent Funding, LLC |
Customer experience
Sail Loans
AscentConnect
Bugs and requests
Sail Loans
Not enough reviews yet to summarise bugs or requests.
AscentConnect
Reported bugs
12 issues- Login credentials not saved, app forgets email and password
- Secondary authentication code screen goes blank
- App stuck on second authorization page
- Payment input field requires deletion of zeros before entering amount
- Loans not displaying in app but visible on website
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- Double charging on payments
- Automatic payment processing failures
- Payment not reflecting in system despite submission
- Inconsistent font sizes and screen layouts
- App continuously asks about existing account while logged in
- Verification code takes 30+ minutes to arrive
- Loading issues preventing loan visibility
Requested features
10 requests- Payment breakdown showing principal vs interest allocation
- Loan balance display in recent payments section
- SMS verification code option instead of email
- Visual graphs and charts for loan terms
- Calendar view for payment schedules
Show 5 moreShow fewer
- Principal paid tracking and visualization
- Account deletion option in app
- Better menu organization and layout
- Loan buyout program for incomplete education
- Face ID and biometric login options
In-app purchases
Sail Loans
No in-app purchases
AscentConnect
No in-app purchases
Questions
Is Sail Loans free?
Is AscentConnect free?
Which has better reviews, Sail Loans or AscentConnect?
Do Sail Loans or AscentConnect have ads?
Which is updated more often, Sail Loans or AscentConnect?
Other comparisons
