Sail Loans vs LendWise
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!
LendWise
Easily track money lent and borrowed with this app. It helps you manage all personal lending and borrowing records, including interest calculations and due date reminders. Enjoy secure, encrypted backups for your financial data.
- Track money lent
- Track money borrowed
- Interest calculation
- Due date reminders
- Encrypted backup
- Organized records
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Are you tired of forgetting who owes you money? LendWise is the smartest lending and borrowing tracker app to manage all your personal lent or borrowed records with interest calculation, due date reminders, and encrypted backup. Whether you lend money to friends and family or borrow from someone, LendWise keeps every money lent or borrowed tracked, organized, and secured on your device.
Screenshots
Verdict
The clearest difference is update cadence: LendWise at every 3 weeks against Sail Loans's every 3 months. Sail Loans's advantage is iOS requirement (13.4 vs 17.0). On price, rating, review sentiment and ratings volume 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.
On the App Store both sit at effectively the same score — 5.0 for Sail Loans against 5.0 for LendWise. 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, LendWise every 3 weeks. The most recent releases landed on October 16, 2026 and October 17, 2026 respectively.
| Parameter | Sail Loans | LendWise |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) | 5.0 (3 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 3 | 3 |
| Update frequency | Every 3 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.4 — better | 17.0 |
| Further details — not scored | ||
| Size | 24 MB | 36 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | Mahesh kumar Nallakuttythevar |
Customer experience
Sail Loans
LendWise
In-app purchases
Sail Loans
No in-app purchases
LendWise
No in-app purchases
