Comparison

Sail Loans vs Bear. Money

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

Bear. Money

Features
Read full description

[Bear. Money] gives you a clean and intuitive way to track assets and manage personal finances. In Bear. Money, you can enjoy the following features: • Minimalist design: A focused interface with no redundant clutter, so your financial data stays front and center. • Fast bookkeeping: Quickly record income, expenses, transfers, and asset changes in just a few taps. • Flexible organization: Manage wallets, labels, and tags to keep every record clear and easy to review. • Multi-dimensional statistics: Understand your finances through categories, time periods, and other useful views. • Data security: Your financial data is stored locally to better protect privacy and security. • Smart reports: Automatically generate clear reports to review balances, changes, and long-term trends. • Multi-device support: Fully optimized for iPhone and iPad, so your financial data is always within reach. Whether you are tracking daily spending, managing multiple wallets, or reviewing long-term asset trends, [Bear. Money] is a practical companion for simple and organized finance management. Download Bear. Money and start your next step toward clearer personal finances!

Screenshots

Sail Loans4 screens
Bear. Money4 screens

Verdict

The call

The clearest difference is iOS requirement: Sail Loans at 13.4 against Bear. Money's 16.0. 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Sail Loans ships an update every 3 months, Bear. Money every 6 weeks. The most recent releases landed on October 25, 2026 and October 30, 2026 respectively.

Scorecard1 real difference · 9 level
Sail Loans versus Bear. Money: the parameters behind the verdict, then further details
ParameterSail LoansBear. Money
PriceFreeFree
Rating3.8 (5 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings5 — better—
Update frequencyEvery 3 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.4 — better16.0
Further details — not scored
Size24 MB14 MB
Age rating4+4+
DeveloperAmericash Loans LLCBear Best Ltd.

In-app purchases

None

Sail Loans

No in-app purchases

None

Bear. Money

No in-app purchases

Questions

Is Sail Loans free?
Sail Loans is free to download, with no in-app purchases.
Is Bear. Money free?
Bear. Money is free to download, with no in-app purchases.
Do Sail Loans or Bear. Money have ads?
Neither Sail Loans nor Bear. Money shows ads.
Which is updated more often, Sail Loans or Bear. Money?
Sail Loans ships an update every 3 months, and Bear. Money every 6 weeks. Most recently, Sail Loans was updated on October 25, 2026 and Bear. Money on October 30, 2026.

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