Sail Loans vs Ascend Loans
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!
Ascend Loans
Manage your existing loan accounts conveniently from your mobile device. View balances, schedule payments, access documents, and get payoff quotes. Offers 24/7 customer support.
- View account balance
- Schedule payments
- Access account documents
- Get payoff quotes
- 24/7 customer support
- Live chat during business hours
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With the Ascend Loans mobile app, you'll have 24/7 access to manage your account all in one place. New loans are not available on the Ascend Loans mobile app. App features include: • View account balance, next payment due date and payment amount. • Schedule an additional payment. • Access account documents, including your payment schedule. • Get a payoff quote or schedule a pay-in-full. • Chat with Ascend Loans for 24/7 support + live chat during business hours. Download today!
Screenshots
Verdict
The clearest difference is review sentiment: Sail Loans at 100% against Ascend Loans's 5%. Sail Loans also leads on rating (3.8 vs 1.7) and iOS requirement (13.4 vs 15.1). Ascend Loans's advantage is ratings volume (30 vs 5). On price, update cadence, ads 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 1.7. That said, the two scores are not equally well evidenced: Ascend Loans has 30 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 100% of Sail Loans's written reviews are positive against 5% of Ascend Loans's.
Sail Loans ships an update every 3 months, Ascend Loans every 4 months. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.
| Parameter | Sail Loans | Ascend Loans |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (5 ratings) — better | 1.7 (30 ratings) |
| Positive reviews | 100.0% of reviews — better | 4.8% of reviews |
| Number of ratings | 5 | 30 — better |
| Update frequency | Every 3 months — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.4 — better | 15.1 |
| Further details — not scored | ||
| Size | 24 MB | 64 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | Ascend Loans, LLC |
Customer experience
Sail Loans
Ascend Loans
In-app purchases
Sail Loans
No in-app purchases
Ascend Loans
No in-app purchases
Questions
Is Sail Loans free?
Is Ascend Loans free?
Which has better reviews, Sail Loans or Ascend Loans?
Do Sail Loans or Ascend Loans have ads?
Which is updated more often, Sail Loans or Ascend Loans?
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