# Sail Loans vs LendWise

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.

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.

## The numbers

| Metric | Sail Loans | LendWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (5 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/lendwise-money-tracker/id6764729120/reviews)** |
| Number of ratings | **5** | 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 | 75 MB |
| Requires iOS | **13.4** | 16.0 |
| 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-money-tracker/id6764729120)

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:** macOS Compatibility, Vision Pro support, iPhone Duo 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?

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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*