Comparison

Sail Loans vs Smart Loan Plus

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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!

About

Smart Loan Plus

This app helps you save money on loans and mortgages by calculating the impact of extra principal payments. Compare loan scenarios, visualize interest savings, and reduce your loan term.

Highlights
  • Calculate personal, mortgage, and car loans
  • Visualize interest savings and reduced loan terms
  • Compare loan scenarios side-by-side
  • Access loan amortization tables
  • Save and manage favorite loan calculations
Features
Read full description

With just small payments to the principal of your loan you can save big money and decrease the time of your loan. Smart Loan Plus provide the tool no bank wants you to know. With simple calculations clearly see you payment and the total paid at the end of your loan, specially the interest paid. Compare loan with clear and visible indicators, save your your favorites and much more. Beat the Bank, and Start Saving TODAY!!! This is an excellent investment and with a purchase of an inexpensive subscription you can Save Thousands of Dollars!!! On your current and future Mortgage and Loans. App Features - Effortless, Accurate, and Fast Calculations. - Calculate Personal, Mortgage & Car Loans. - Save money and reduce your mortgage loan time by making payments to the loan principal. - Save calculation can be done for new or current loan by entering the month you will start doing the extra payments. - Access to your loan amortization table. - Safe your loan and access when needed on Favorite tab. App will allow to edit loan name after saved and delete them as needed. - Smart & Easy “Side by Side” Loan Comparison with visual indicators. - Make informed decisions comparing scenarios specially between payment and interest paid. -Select the best loan option that fit your need. - And Most Important… SAVE MONEY!!!!!!!! Smart Loan Plus Subscription Terms: - This app provides an Auto-renurable subscriptions. - Subscription will unlock all features of the app. - You'll be charged as a recurring transaction through your iTunes account starting at the end of your free trial (unless you cancel during the free trial). - Payment automatically renews unless you cancel your account at least 24 hours before the end of the current subscription month. - You can manage your subscription, cancel anytime, or turn off auto-renewal by accessing your iTunes account. - When canceling a subscription, your subscription will stay active until the end of the period. - Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Sail Loans4 screens
Smart Loan Plus4 screens

Verdict

The call

The clearest difference is in-app purchases: Sail Loans at none against Smart Loan Plus's 5. Sail Loans also leads on ratings volume (3 vs 1) and iOS requirement (13.4 vs 16.4). Smart Loan Plus's advantage is update cadence (weekly vs every 3 months). On price, rating, ads and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Smart Loan Plus sells 5 in-app purchases, starting at $1.99 per year. Sail Loans asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Sail Loans against 5.0 for Smart Loan Plus. Both are backed by a comparable volume of ratings — 3 and 1 respectively.

UpkeepUpdate frequency

Sail Loans ships an update every 3 months, Smart Loan Plus weekly. The most recent releases landed on October 16, 2026 and September 22, 2026 respectively.

Scorecard5 real differences · 5 level
Sail Loans versus Smart Loan Plus: the parameters behind the verdict, then further details
ParameterSail LoansSmart Loan Plus
PriceFreeFree
Rating5.0 (3 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews—
Number of ratings3 — better1
Update frequencyEvery 3 monthsWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPod — betteriPhone
Requires iOS13.4 — better16.4
Further details — not scored
Size24 MB5 MB
Age rating4+4+
DeveloperAmericash Loans LLCRoberto J Franqui Rodriguez

Customer experience

Sail Loans

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Smart Loan Plus

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Sail Loans

No in-app purchases

5 purchases

Smart Loan Plus

Subscriptions5
  • All Access3 Days trial$1.991 Year
  • All Access$3.991 Month
  • All Access3 Days trial$3.991 Month
Show 2 more
  • All Access$29.991 Year
  • All Access14 Days trial$29.991 Year

Questions

Is Sail Loans free?
Sail Loans is free to download, with no in-app purchases.
Is Smart Loan Plus free?
Smart Loan Plus is free to download, with in-app purchases available.
Which has better reviews, Sail Loans or Smart Loan Plus?
Sail Loans and Smart Loan Plus are both rated 5.0 out of 5 on the App Store, from 3 and 1 ratings respectively.
Do Sail Loans or Smart Loan Plus have ads?
Neither Sail Loans nor Smart Loan Plus shows ads.
Which is updated more often, Sail Loans or Smart Loan Plus?
Sail Loans ships an update every 3 months, and Smart Loan Plus weekly. Most recently, Sail Loans was updated on October 16, 2026 and Smart Loan Plus on September 22, 2026.

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