Comparison

Sail Loans vs LendWise

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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!

About

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.

Highlights
  • 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
Features
Read full description

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

Sail Loans4 screens
LendWise4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
Sail Loans versus LendWise: the parameters behind the verdict, then further details
ParameterSail LoansLendWise
PriceFreeFree
Rating3.8 (5 ratings)5.0 (3 ratings) — better
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings5 — better3
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.4 — better16.0
Further details — not scored
Size24 MB75 MB
Age rating4+4+
DeveloperAmericash Loans LLCMahesh kumar Nallakuttythevar

Customer experience

Sail Loans

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

LendWise

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Sail Loans

No in-app purchases

None

LendWise

No in-app purchases

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?
LendWise is rated higher. Sail Loans averages 3.8 out of 5 from 5 ratings, while LendWise averages 5.0 from 3 ratings.
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 November 3, 2026 and LendWise on November 9, 2026.

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