Comparison

LoanMart vs Sail Loans

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

Head to head
About

LoanMart

Access quick cash loans directly from your smartphone, with amounts ranging from $1,000 to $50,000. This app offers competitive rates and can often assist when traditional lenders cannot. Manage your loan conveniently after approval.

Highlights
  • Cash loans up to $50,000
  • Loan amounts from $1,000
  • Competitive interest rates
  • Use car as collateral
  • Manage loans via app
  • Apply by phone option
Read full description

Get cash right from your phone within 24 hours, with this helpful mobile app from LoanMart. Loan amounts start at $1,000 and can go as high as $50,000. Rates are lower than most payday loans and many personal loans. See full disclosures within the app. LoanMart makes borrowing easy, and we can often help when banks and credit unions won’t. And you can even use your qualifying car as collateral. Plus, after you’re approved you can use this LoanMart mobile app to manage your loan. Call us at 855-422-7407 with any questions, or if you’d prefer to apply by phone. Llama a LoanMart al 855-422-7407 con cualquier pregunta o para aplicar por telefono.

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!

Screenshots

LoanMart4 screens
Sail Loans4 screens

Verdict

The call

The clearest difference is review sentiment: Sail Loans at 100% against LoanMart's 21%. Sail Loans also leads on rating (5.0 vs 2.3). LoanMart's advantage is ratings volume (166 vs 3) and update cadence (monthly vs every 3 months). On price, ads, in-app purchases and monetization model 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

Sail Loans holds the better App Store score, 5.0 against 2.3. That said, the two scores are not equally well evidenced: LoanMart has 166 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 21% of LoanMart's written reviews are positive against 100% of Sail Loans's.

UpkeepUpdate frequency

LoanMart ships an update monthly, Sail Loans every 3 months. The most recent releases landed on September 25, 2026 and September 11, 2026 respectively.

Scorecard5 real differences · 5 level
LoanMart versus Sail Loans: the parameters behind the verdict, then further details
ParameterLoanMartSail Loans
PriceFreeFree
Rating2.3 (166 ratings)5.0 (3 ratings) — better
Positive reviews20.9% of reviews100.0% of reviews — better
Number of ratings166 — better3
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS11.0 — better13.4
Further details — not scored
Size55 MB24 MB
Age rating4+4+
DeveloperLoanmartAmericash Loans LLC

Customer experience

LoanMart

All ratings166 ratings
Positive28.3%
Neutral7.2%
Negative64.5%
Written reviews43 reviews
Positive20.9%
Neutral2.3%
Negative76.7%

Sail Loans

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

In-app purchases

None

LoanMart

No in-app purchases

None

Sail Loans

No in-app purchases

Questions

Is LoanMart free?
LoanMart is free to download, with no in-app purchases.
Is Sail Loans free?
Sail Loans is free to download, with no in-app purchases.
Which has better reviews, LoanMart or Sail Loans?
Sail Loans is rated higher. LoanMart averages 2.3 out of 5 from 166 ratings, while Sail Loans averages 5.0 from 3 ratings.
Do LoanMart or Sail Loans have ads?
Neither LoanMart nor Sail Loans shows ads.
Which is updated more often, LoanMart or Sail Loans?
LoanMart ships an update monthly, and Sail Loans every 3 months. Most recently, LoanMart was updated on September 25, 2026 and Sail Loans on September 11, 2026.

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