Sail Loans vs Smart Loan Plus
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!
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.
- 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
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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
Verdict
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
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.
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.
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.
| Parameter | Sail Loans | Smart Loan Plus |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) | 5.0 (1 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | 1 |
| Update frequency | Every 3 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.4 — better | 16.4 |
| Further details — not scored | ||
| Size | 24 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | Roberto J Franqui Rodriguez |
Customer experience
Sail Loans
Smart Loan Plus
In-app purchases
Sail Loans
No in-app purchases
Smart Loan Plus
- All Access3 Days trial$1.991 Year
- All Access$3.991 Month
- All Access3 Days trial$3.991 Month
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- All Access$29.991 Year
- All Access14 Days trial$29.991 Year
Questions
Is Sail Loans free?
Is Smart Loan Plus free?
Which has better reviews, Sail Loans or Smart Loan Plus?
Do Sail Loans or Smart Loan Plus have ads?
Which is updated more often, Sail Loans or Smart Loan Plus?
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