Sail Loans vs Tower Loan
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!
Tower Loan
Easily manage your loan account with this mobile app. Check balances, make payments, view statements, and get important notifications. Access branch information and customer support conveniently.
- Check balance and due date
- Make and schedule payments
- View and download e-statements
- Receive payment reminders
- Update payment methods
- Locate branches and ATMs
- Contact customer support
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With the Tower Loan Mobile App, managing your loan has never been easier. Securely log in with Face ID or Touch ID and: Check your current balance and payment due date at a glance Make one-time or schedule recurring payments in seconds View and download e-statements anytime Receive push notifications for upcoming due dates Update your payment methods on the go Locate nearby branches and ATMs Contact customer support directly from the app Whether you’re on the couch or on the move, the Tower Loan App puts full control of your account right in your pocket. Download now and simplify the way you manage your loan!
Screenshots
Verdict
The clearest difference is review sentiment: Sail Loans at 100% against Tower Loan's 22%. Sail Loans also leads on rating (3.8 vs 3.1) and iOS requirement (13.4 vs 17.0). Tower Loan's advantage is update cadence (every 3 weeks vs every 3 months) and ratings volume (48 vs 5). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.
Sail Loans holds the better App Store score, 3.8 against 3.1. That said, the two scores are not equally well evidenced: Tower Loan has 48 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 22% of Tower Loan's.
Sail Loans ships an update every 3 months, Tower Loan every 3 weeks. Both last shipped on October 24, 2026.
| Parameter | Sail Loans | Tower Loan |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (5 ratings) — better | 3.1 (48 ratings) |
| Positive reviews | 100.0% of reviews — better | 22.2% of reviews |
| Number of ratings | 5 | 48 — better |
| Update frequency | Every 3 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.4 — better | 17.0 |
| Further details — not scored | ||
| Size | 24 MB | 42 MB |
| Age rating | 4+ | 17+ |
| Developer | Americash Loans LLC | Tower Loan |
Customer experience
Sail Loans
Tower Loan
In-app purchases
Sail Loans
No in-app purchases
Tower Loan
No in-app purchases
