Sail Loans vs MLC
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!
MLC
Manage your loan account and access exclusive rewards. View your account details, earn points, and redeem them for discounts on various products. Enjoy savings through local and national brand coupons.
- View loan account details
- Earn Level Up Rewards
- Redeem rewards for discounts
- Access brand coupons
- Local and national brand offers
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Minute Loan Center, We Say YES, is now available in your phone. The MLC VIP companion app gives you access to your MLC account. You can view, earn, and redeem Level Up Rewards and gain admission to discounts on everyday products through our local and national brand coupons.
Screenshots
Verdict
The clearest difference is ads: Sail Loans at none against MLC's shown. Sail Loans also leads on monetization model (free vs ad-supported) and iOS requirement (13.4 vs 15.6). MLC's advantage is update cadence (fortnightly vs every 3 months). On price, rating, ratings volume and in-app purchases 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.
On the App Store both sit at effectively the same score — 5.0 for Sail Loans against 5.0 for MLC. Both are backed by a comparable volume of ratings — 3 and 2 respectively.
Sail Loans ships an update every 3 months, MLC fortnightly. The most recent releases landed on October 16, 2026 and October 18, 2026 respectively.
| Parameter | Sail Loans | MLC |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) | 5.0 (2 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | 2 |
| Update frequency | Every 3 months | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.4 — better | 15.6 |
| Further details — not scored | ||
| Size | 24 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | Easy Money Group Acquisition Co., LLC |
Customer experience
Sail Loans
MLC
In-app purchases
Sail Loans
No in-app purchases
MLC
No in-app purchases
