# Sail Loans vs Uprova

The clearest difference is review sentiment: Sail Loans at 100% against Uprova's 0%. Sail Loans also leads on rating (3.8 vs 1.7) and iOS requirement (13.4 vs 15.6). Uprova's advantage is ratings volume (27 vs 5). On price, update cadence, ads and in-app purchases 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 1.7. That said, the two scores are not equally well evidenced: Uprova has 27 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 0% of Uprova's.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on October 25, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Sail Loans | Uprova |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (5 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** | [1.7 (27 ratings)](https://appshunter.io/ios/app/uprova/id6748051554/reviews) |
| Number of ratings | 5 | **27** |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free | Free |
| Size | 24 MB | 39 MB |
| Requires iOS | **13.4** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [Uprova Credit, LLC](https://appshunter.io/developer/1824105301) |

## 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


### Uprova

[App page](https://appshunter.io/ios/app/uprova/id6748051554)

Access fast, personal loans for emergencies and cash-flow needs. Receive quick approvals and funds within 30 minutes, with no collateral required. Build credit with timely payments and enjoy flexible repayment options.

**Highlights:** Fast loan approvals, Funds within 30 minutes, No collateral required, Flexible repayment options, Build credit history, No prepayment penalties, Easy application process

**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 Uprova free?

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

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

Sail Loans is rated higher. Sail Loans averages 3.8 out of 5 from 5 ratings, while Uprova averages 1.7 from 27 ratings.

### Do Sail Loans or Uprova have ads?

Neither Sail Loans nor Uprova shows ads.

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

Sail Loans ships an update every 3 months, and Uprova every 3 months. Most recently, Sail Loans was updated on October 25, 2026 and Uprova on October 28, 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.*