# Sail Loans vs ZaPay

Sail Loans and ZaPay both sit at 3.8 stars, but that hides the real split: 100% of Sail Loans's written reviews are positive against 50% of ZaPay's. Sail Loans also leads on update cadence (every 3 months vs every 11 months). On price, rating, ratings volume 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.

On the App Store both sit at effectively the same score — 3.8 for Sail Loans against 3.7 for ZaPay. Both are backed by a comparable volume of ratings — 5 and 3 respectively. Written reviews are what separate them: 100% of Sail Loans's written reviews are positive against 50% of ZaPay's.

Sail Loans ships an update every 3 months, ZaPay every 11 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | Sail Loans | ZaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (5 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews) |
| Number of ratings | **5** | 3 |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 11 months |
| Monetization | Free | Free |
| Size | 24 MB | 27 MB |
| Requires iOS | 13.4 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [ZaPay LLC](https://appshunter.io/developer/1632479999) |

## 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


### ZaPay

[App page](https://appshunter.io/ios/app/zapay/id1632479997)

This app facilitates peer-to-peer lending among friends and family, offering automated payments and scheduled payback dates. It includes in-app chat for communication and a transaction history to track all financial exchanges.

**Highlights:** Automated payments, Scheduled payback dates, In-app chat, Transaction history, Star rating system

**In-app purchases:** none


## Frequently asked questions

### Is Sail Loans free?

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

### Is ZaPay free?

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

### Which has better reviews, Sail Loans or ZaPay?

Sail Loans is rated higher. Sail Loans averages 3.8 out of 5 from 5 ratings, while ZaPay averages 3.7 from 3 ratings.

### Do Sail Loans or ZaPay have ads?

Neither Sail Loans nor ZaPay shows ads.

### Which is updated more often, Sail Loans or ZaPay?

Sail Loans ships an update every 3 months, and ZaPay every 11 months. Most recently, Sail Loans was updated on November 3, 2026 and ZaPay on November 3, 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.*