# Sail Loans vs Tower Loan

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.

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. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Sail Loans | Tower Loan |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (5 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** | [3.1 (48 ratings)](https://appshunter.io/ios/app/tower-loan/id6739587104/reviews) |
| Number of ratings | 5 | **48** |
| Positive reviews | **100.0% of reviews** | 22.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 24 MB | 42 MB |
| Requires iOS | **13.4** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [Tower Loan](https://appshunter.io/developer/1786183195) |

## 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


### Tower Loan

[App page](https://appshunter.io/ios/app/tower-loan/id6739587104)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Sail Loans free?

Sail Loans is free to download, with no in-app purchases.

### Is Tower Loan free?

Tower Loan is free to download, with no in-app purchases.

### Which has better reviews, Sail Loans or Tower Loan?

Sail Loans is rated higher. Sail Loans averages 3.8 out of 5 from 5 ratings, while Tower Loan averages 3.1 from 48 ratings.

### Do Sail Loans or Tower Loan have ads?

Neither Sail Loans nor Tower Loan shows ads.

### Which is updated more often, Sail Loans or Tower Loan?

Sail Loans ships an update every 3 months, and Tower Loan every 3 weeks. Most recently, Sail Loans was updated on October 25, 2026 and Tower Loan on October 24, 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.*