# LoanOrCash vs Sail Loans

The clearest difference is ads: Sail Loans at none against LoanOrCash's shown. Sail Loans also leads on iOS requirement (13.4 vs 26.0). On price, update cadence, in-app purchases and device support there is nothing between them.

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

LoanOrCash ships an update every 4 months, Sail Loans every 3 months. The most recent releases landed on October 10, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | LoanOrCash | Sail Loans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (3 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 3 months** |
| Monetization | — | Free |
| Size | 11 MB | 24 MB |
| Requires iOS | 26.0 | **13.4** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | +4 | 4+ |
| Developer | [Liavante, LLC](https://appshunter.io/developer/328737755) | [Americash Loans LLC](https://appshunter.io/developer/1529566329) |

## What reviewers say

### LoanOrCash

[App page](https://appshunter.io/ios/app/loanorcash/id328737752)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 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


## Frequently asked questions

### Is LoanOrCash free?

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

### Is Sail Loans free?

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

### Do LoanOrCash or Sail Loans have ads?

LoanOrCash shows ads; Sail Loans does not.

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

LoanOrCash ships an update every 4 months, and Sail Loans every 3 months. Most recently, LoanOrCash was updated on October 10, 2026 and Sail Loans on October 16, 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.*