Sail Loans vs Quilo | PSB
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!
Quilo | PSB
Apply for an installment loan and receive funds quickly. Use the money for debt consolidation or new purchases, with fixed repayment terms up to 60 months. No fees or penalties apply.
- Apply for installment loans
- Access funds in seconds
- Pay down credit card debt
- Make new purchases
- Fixed installments up to 60 months
- No fees or penalties
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Apply for an installment loan and get access to funds in seconds. Use the funds to pay down credit card debt or make new purchases now, pay over time in fixed installments up to 60 months. No fees, no penalties. Loan eligibility depends on creditworthiness. Applicants must have a valid debit card. Application won't affect your credit history. Fixed rates between 6.99% APR to 19.99% APR. Loan amounts from $250 to $25,000 over 3 months to 60 months terms.
Screenshots
Verdict
The clearest difference is rating: Sail Loans at 3.8 against Quilo | PSB's 1.0. Sail Loans also leads on ads (none vs shown) and monetization model (free vs ad-supported). On price, ratings volume, update cadence 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.
Sail Loans holds the better App Store score, 3.8 against 1.0. Both are backed by a comparable volume of ratings — 5 and 4 respectively.
Sail Loans ships an update every 3 months, Quilo | PSB every 2 months. The most recent releases landed on October 24, 2026 and October 18, 2026 respectively.
| Parameter | Sail Loans | Quilo | PSB |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (5 ratings) — better | 1.0 (4 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 5 — better | 4 |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.4 — better | 14.4 |
| Further details — not scored | ||
| Size | 24 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | Princeville State Bank |
Customer experience
Sail Loans
Quilo | PSB
In-app purchases
Sail Loans
No in-app purchases
Quilo | PSB
No in-app purchases
