Sail Loans vs LendDirect
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!
LendDirect
Manage your existing payday loans, installment loans, and lines of credit directly from your smartphone. The app allows you to receive important reminders, view account details, make secure payments, and communicate with customer service.
- Push notifications for reminders
- View current loan information
- Manage your account
- Make secure payments
- Send secure messages to customer service
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The LendDirect® app helps customers manage their existing payday loans, installment loans, and lines of credit (where available) from the convenience of their smart phone. Simply sign in with your existing username and password. Features include: - Get Push Notifications for important reminders - See current loan information and manage your account - Make secure payments - Send secure messages to Customer Service
Screenshots
Verdict
The clearest difference is rating: Sail Loans at 5.0 against LendDirect's 2.3. Sail Loans also leads on iOS requirement (13.4 vs 15.0). LendDirect's advantage is update cadence (every 3 days vs every 3 months). On price, review sentiment, ratings volume and ads 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, 5.0 against 2.3. Both are backed by a comparable volume of ratings — 3 and 3 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
Sail Loans ships an update every 3 months, LendDirect every 3 days. The most recent releases landed on September 11, 2026 and September 10, 2026 respectively.
| Parameter | Sail Loans | LendDirect |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | 2.3 (3 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 3 | 3 |
| Update frequency | Every 3 months | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.4 — better | 15.0 |
| Further details — not scored | ||
| Size | 24 MB | 25 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | CURO Management LLC |
Customer experience
Sail Loans
LendDirect
In-app purchases
Sail Loans
No in-app purchases
LendDirect
No in-app purchases
