# Sail Loans vs Payday Today

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.

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.

## The numbers

| Metric | Sail Loans | Payday Today |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (5 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** | [1.0 (2 ratings)](https://appshunter.io/ios/app/payday-today/id1624451120/reviews) |
| Number of ratings | **5** | 2 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 24 MB | 70 MB |
| Requires iOS | **13.4** | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [GoodApps Inc.](https://appshunter.io/developer/1465201500) |

## What reviewers say

### Sail Loans

[App page](https://appshunter.io/ios/app/sail-loans/id1578869732)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### Payday Today

[App page](https://appshunter.io/ios/app/payday-today/id1624451120)

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.

**Highlights:** Access accrued wages, Withdraw available funds, Transfer to banks/e-wallets, Request and use vouchers, View transaction history

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

**In-app purchases:** none


## Frequently asked questions

### Is Sail Loans free?

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

### Is Payday Today free?

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

### Which has better reviews, Sail Loans or Payday Today?

Sail Loans is rated higher. Sail Loans averages 3.8 out of 5 from 5 ratings, while Payday Today averages 1.0 from 2 ratings.

### Do Sail Loans or Payday Today have ads?

Neither Sail Loans nor Payday Today shows ads.

### Which is updated more often, Sail Loans or Payday Today?

Sail Loans ships an update every 3 months, and Payday Today every 2 months. Most recently, Sail Loans was updated on October 25, 2026 and Payday Today on October 30, 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.*