# Sail Loans vs LendDirect

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.

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.

## The numbers

| Metric | Sail Loans | LendDirect |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/lenddirect/id6744831116/reviews) |
| Number of ratings | 3 | 3 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 days** |
| Monetization | Free | Free |
| Size | 24 MB | 25 MB |
| Requires iOS | **13.4** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [CURO Management LLC](https://appshunter.io/developer/784028834) |

## 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


### LendDirect

[App page](https://appshunter.io/ios/app/lenddirect/id6744831116)

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.

**Highlights:** Push notifications for reminders, View current loan information, Manage your account, Make secure payments, Send secure messages to customer service

**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 LendDirect free?

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

### Which has better reviews, Sail Loans or LendDirect?

Sail Loans is rated higher. Sail Loans averages 5.0 out of 5 from 3 ratings, while LendDirect averages 2.3 from 3 ratings.

### Do Sail Loans or LendDirect have ads?

Neither Sail Loans nor LendDirect shows ads.

### Which is updated more often, Sail Loans or LendDirect?

Sail Loans ships an update every 3 months, and LendDirect every 3 days. Most recently, Sail Loans was updated on September 11, 2026 and LendDirect on September 10, 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.*