# Sail Loans vs Smart Loan Plus

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.

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.

## The numbers

| Metric | Sail Loans | Smart Loan Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (3 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/smart-loan-plus/id6462837474/reviews) |
| Number of ratings | **3** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | **Free** | Freemium |
| Size | 24 MB | 5 MB |
| Requires iOS | **13.4** | 16.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [Roberto J Franqui Rodriguez](https://appshunter.io/developer/1680428662) |

## 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


### Smart Loan Plus

[App page](https://appshunter.io/ios/app/smart-loan-plus/id6462837474)

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:** macOS Compatibility

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| All Access | $1.99 | per year |
| All Access | $3.99 | per month |
| All Access | $3.99 | per month |
| All Access | $29.99 | per year |
| All Access | $29.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*