Sail Loans vs myAccess
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!
myAccess
Manage your line of credit with digital tools for secure self-management. Request funds, make payments, and check balances efficiently. Set up alerts and autopay for a streamlined transactional process.
- Request funds
- Make payments
- Request line increase
- Enroll in autopay
- Check account balances
- View transactions
- Set up alerts
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As part of TriState Capital Bank, myAccess provides you with the digital tools you'll need to help securely self-manage your line of credit. These benefits offer you the opportunity to self-manage your line of credit efficiently resulting in a streamlined transactional process. Through myAccess, you can: • Request funds • Make a payment • Request a line increase • Enroll in monthly autopay • Check account balances • View transactions • Set-up email & text alerts Visit www.tscbank.com/myAccess to learn more.
Screenshots
Verdict
The clearest difference is ads: Sail Loans at none against myAccess's shown. Sail Loans also leads on monetization model (free vs ad-supported) and iOS requirement (13.4 vs 15.0). myAccess's advantage is ratings volume (50 vs 3). On price, rating, 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.
On the App Store both sit at effectively the same score — 5.0 for Sail Loans against 4.9 for myAccess. That said, the two scores are not equally well evidenced: myAccess has 50 ratings behind it against 3, so its average is the more settled of the two.
Sail Loans ships an update every 3 months, myAccess every 2 months. The most recent releases landed on October 16, 2026 and October 5, 2026 respectively.
| Parameter | Sail Loans | myAccess |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | 4.9 (50 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 | 50 — better |
| 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 | 15.0 |
| Further details — not scored | ||
| Size | 24 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | TriState Capital Bank |
Customer experience
Sail Loans
myAccess
In-app purchases
Sail Loans
No in-app purchases
myAccess
No in-app purchases
Questions
Is Sail Loans free?
Is myAccess free?
Which has better reviews, Sail Loans or myAccess?
Do Sail Loans or myAccess have ads?
Which is updated more often, Sail Loans or myAccess?
Other comparisons
