# Sail Loans vs Ascend Loans

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.

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.

## The numbers

| Metric | Sail Loans | Ascend Loans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (5 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** | [1.7 (30 ratings)](https://appshunter.io/ios/app/ascend-loans/id6450952306/reviews) |
| Number of ratings | 5 | **30** |
| Positive reviews | **100.0% of reviews** | 4.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 4 months |
| Monetization | Free | Free |
| Size | 24 MB | 64 MB |
| Requires iOS | **13.4** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [Ascend Loans, LLC](https://appshunter.io/developer/1695875938) |

## 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


### Ascend Loans

[App page](https://appshunter.io/ios/app/ascend-loans/id6450952306)

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.

**Highlights:** View account balance, Schedule payments, Access account documents, Get payoff quotes, 24/7 customer support, Live chat during business hours

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Sail Loans free?

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

### Is Ascend Loans free?

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

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

Sail Loans is rated higher. Sail Loans averages 3.8 out of 5 from 5 ratings, while Ascend Loans averages 1.7 from 30 ratings.

### Do Sail Loans or Ascend Loans have ads?

Neither Sail Loans nor Ascend Loans shows ads.

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

Sail Loans ships an update every 3 months, and Ascend Loans every 4 months. Most recently, Sail Loans was updated on October 25, 2026 and Ascend Loans on October 24, 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.*