# Sail Loans vs LendWise

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.

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.

## The numbers

| Metric | Sail Loans | LendWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (3 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews) | [5.0 (3 ratings)](https://appshunter.io/ios/app/lendwise-lending-tracker/id6764729120/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 weeks** |
| Monetization | Free | Free |
| Size | 24 MB | 36 MB |
| Requires iOS | **13.4** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [Mahesh kumar Nallakuttythevar](https://appshunter.io/developer/1895894763) |

## 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


### LendWise

[App page](https://appshunter.io/ios/app/lendwise-lending-tracker/id6764729120)

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.

**Highlights:** Track money lent, Track money borrowed, Interest calculation, Due date reminders, Encrypted backup, Organized records

**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 LendWise free?

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

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

Sail Loans and LendWise are both rated 5.0 out of 5 on the App Store, from 3 and 3 ratings respectively.

### Do Sail Loans or LendWise have ads?

Neither Sail Loans nor LendWise shows ads.

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

Sail Loans ships an update every 3 months, and LendWise every 3 weeks. Most recently, Sail Loans was updated on October 16, 2026 and LendWise on October 17, 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.*