# Sail Loans vs myAccess

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.

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.

## The numbers

| Metric | Sail Loans | myAccess |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** | [4.9 (50 ratings)](https://appshunter.io/ios/app/myaccess-borrower-platform/id6443602386/reviews) |
| Number of ratings | 3 | **50** |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | **Free** | Ad-supported |
| Size | 24 MB | 17 MB |
| Requires iOS | **13.4** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [TriState Capital Bank](https://appshunter.io/developer/1436318163) |

## 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


### myAccess

[App page](https://appshunter.io/ios/app/myaccess-borrower-platform/id6443602386)

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.

**Highlights:** Request funds, Make payments, Request line increase, Enroll in autopay, Check account balances, View transactions, Set up alerts

**In-app purchases:** none


## Frequently asked questions

### Is Sail Loans free?

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

### Is myAccess free?

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

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

Sail Loans is rated higher. Sail Loans averages 5.0 out of 5 from 3 ratings, while myAccess averages 4.9 from 50 ratings.

### Do Sail Loans or myAccess have ads?

myAccess shows ads; Sail Loans does not.

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

Sail Loans ships an update every 3 months, and myAccess every 2 months. Most recently, Sail Loans was updated on October 16, 2026 and myAccess on October 5, 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.*