Sail Loans vs Payday Today
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
Read full descriptionHide full description
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!
Payday Today
Access accrued wages or available funds set by your employer. Easily request and transfer funds to any bank or e-wallet. Utilize vouchers for in-app transactions or send them to loved ones.
- Access accrued wages
- Withdraw available funds
- Transfer to banks/e-wallets
- Request and use vouchers
- View transaction history
Read full descriptionHide full description
OUR SERVICE Payday Today app enables you to: 1. Get access to your accrued earn wage or any available funds set by your employer. 2. Easily request or withdraw your earned salary or any available funds. 3. Transfer amount requested to any banks via instapay or e-wallets. 4. Can request voucher and use it for in-app transactions. 5. Transfer voucher to any banks via instapay or e-wallets. OUR SUBSCRIBERS Are people who want to: Easily access and withdraw their available funds and transfer to any banks or ewallets. Send vouchers to loved ones who need them Directly access their transactions history Easily access other available in-app services
Screenshots
Verdict
The clearest difference is rating: Sail Loans at 3.8 against Payday Today's 1.0. On price, ratings volume, update cadence and ads 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, 3.8 against 1.0. Both are backed by a comparable volume of ratings — 5 and 2 respectively.
Sail Loans ships an update every 3 months, Payday Today every 2 months. The most recent releases landed on October 25, 2026 and October 30, 2026 respectively.
| Parameter | Sail Loans | Payday Today |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (5 ratings) — better | 1.0 (2 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 5 — better | 2 |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.4 — better | 14.0 |
| Further details — not scored | ||
| Size | 24 MB | 70 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | GoodApps Inc. |
Customer experience
Sail Loans
Payday Today
In-app purchases
Sail Loans
No in-app purchases
Payday Today
No in-app purchases
