Comparison

Sail Loans vs Paidly

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

Paidly

Features
Read full description

Paidly is your comprehensive solution for tackling student loan debt. Our platform enables employers to offer student loan repayment benefits, enhancing employee recruitment, retention, and financial wellness. Additionally, our "Friends Helping Friends" feature allows individuals to receive contributions from their personal networks, fostering a community-driven approach to debt reduction. Key Features: - Employer Contributions: Facilitate employer-sponsored student loan repayments to boost employee satisfaction and loyalty. - Friends Helping Friends: Empower your friends and family to contribute directly to your student loans, accelerating your journey to financial freedom. - Transparent Transactions: Ensure all contributions are securely processed and directly applied to your loan principal, reducing interest and repayment time. - Easy Setup: Quickly set up your account, share your personalized donation page, and start receiving contributions immediately. Join a supportive community committed to alleviating student debt. With Paidly, make loan repayment a benefit, not a burden. Note: For more information, visit our website at https://meetpaidly.com

Screenshots

Sail Loans4 screens
Paidly4 screens

Verdict

The call

The clearest difference is update cadence: Paidly at every 10 days against Sail Loans's every 3 months. Sail Loans's advantage is iOS requirement (13.4 vs 16.1). On price, ads, in-app purchases 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

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, Paidly every 10 days. The most recent releases landed on November 3, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
Sail Loans versus Paidly: the parameters behind the verdict, then further details
ParameterSail LoansPaidly
PriceFreeFree
Rating3.8 (5 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings5 — better—
Update frequencyEvery 3 monthsEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS13.4 — better16.1
Further details — not scored
Size24 MB42 MB
Age rating4+4+
DeveloperAmericash Loans LLCPaidly

In-app purchases

None

Sail Loans

No in-app purchases

None

Paidly

No in-app purchases

Questions

Is Sail Loans free?
Sail Loans is free to download, with no in-app purchases.
Is Paidly free?
Paidly is free to download, with no in-app purchases.
Do Sail Loans or Paidly have ads?
Neither Sail Loans nor Paidly shows ads.
Which is updated more often, Sail Loans or Paidly?
Sail Loans ships an update every 3 months, and Paidly every 10 days. Most recently, Sail Loans was updated on November 3, 2026 and Paidly on October 25, 2026.

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