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, borrowed, and shared with friends. Features include interest calculation, payment reminders, and bill splitting with multiple methods. Offers multi-currency support and privacy-focused local data storage.
- Track lent and borrowed money
- Calculate interest and partial payments
- Set due dates and send reminders
- Split bills equally or by custom amounts
- Scan bills with camera
- Multi-currency support
- Local data storage and encrypted backup
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LendWise keeps track of the money you lend, borrow and share, all in one app. It's simple, private and free of ads. LEND & BORROW • Record money you lent or borrowed, with names, notes and attached receipts • Add interest: daily, monthly or yearly • Track partial payments and see the balance reduce • Set due dates and get payment reminders • Remind people by WhatsApp, SMS or call • Archive, restore or permanently delete records • Import from CSV, and export reports as PDF or CSV SPLITBILL • Create groups and add friends from your contacts • Split equally, by items, exact amounts, percentages or shares • Scan a bill with your camera. Text is read on your device, so no internet is needed • See who owes whom, in groups and one to one • Simplify debts automatically • Record settlements and send payment reminders BUILT FOR EVERYONE • Available in English, Hindi, Bengali, Gujarati, Kannada, Malayalam, Marathi, Punjabi, Tamil and Telugu • Works with multiple currencies, including ₹, $, €, £, AED, S$, A$, C$ and ¥ • Optional PIN or Face ID / fingerprint lock PRIVATE BY DESIGN • Your data stays on your device. We don't collect it, upload it or share it • No ads, no subscriptions and no sign-up • Encrypted backup and restore to a file you control Questions or feedback? Write to contactus.samrudhiventures@gmail.com
Screenshots
Verdict
The clearest difference is rating: LendWise at 5.0 against Sail Loans's 3.8. LendWise also leads on update cadence (every 3 weeks vs every 3 months). Sail Loans's advantage is iOS requirement (13.4 vs 16.0). 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.
LendWise holds the better App Store score, 5.0 against 3.8. Both are backed by a comparable volume of ratings — 5 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 November 3, 2026 and November 9, 2026 respectively.
| Parameter | Sail Loans | LendWise |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (5 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 5 — better | 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 | 16.0 |
| Further details — not scored | ||
| Size | 24 MB | 75 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









