Comparison

MyFluent 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

MyFluent

Track your loan application's progress in real time and communicate directly with your dedicated case manager. Upload necessary documents and receive immediate status updates throughout the process.

Highlights
  • Real-time application progress tracking
  • Direct communication with Case Manager
  • View lender details
  • Immediate status updates
  • Document upload (P45, P60, payslips)
  • Identity verification via phone camera
Features
Read full description

MyFluent is a unique application that allows customers to view the progress of their loan application in real time and easily communicate with their dedicated Case Manager. MyFluent for iPhone is free to all Fluent Money customers. With MyFluent, you can: - Track your application by viewing your case notes in real time - Contact your Case Manager directly - View details about your lender - Receive immediate status updates - Upload requested documents such as P45, P60 or payslips - Verify your identity using the camera on your phone

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

MyFluent4 screens
Sail Loans4 screens

Verdict

The call

The clearest difference is update cadence: MyFluent at every 3 weeks against Sail Loans's every 3 months. Sail Loans's advantage is review sentiment (100% vs 92%) and iOS requirement (13.4 vs 17.0). On price, rating, 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

On the App Store both sit at effectively the same score — 5.0 for MyFluent against 5.0 for Sail Loans. Both are backed by a comparable volume of ratings — 2 and 3 respectively. Written reviews are what separate them: 92% of MyFluent's written reviews are positive against 100% of Sail Loans's.

UpkeepUpdate frequency

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

Scorecard3 real differences · 7 level
MyFluent versus Sail Loans: the parameters behind the verdict, then further details
ParameterMyFluentSail Loans
PriceFreeFree
Rating5.0 (2 ratings)5.0 (3 ratings)
Positive reviews92.0% of reviews100.0% of reviews — better
Number of ratings23 — better
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.013.4 — better
Further details — not scored
Size51 MB24 MB
Age rating4+4+
DeveloperFluent MoneyAmericash Loans LLC

Customer experience

MyFluent

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews87 reviews
Positive92.0%
Neutral1.1%
Negative6.9%

Sail Loans

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

Bugs and requests

MyFluent

Reported bugs

7 issues
  • Does not upload correctly
  • Email bounces back
  • Document tab doesn't work
  • App doesn't update in line with changes
  • New messages slow to appear
Show 2 more
  • Slow to show documents
  • Has to set up again on two occasions

Requested features

2 requests
  • Ability to complete forms online
  • Touch ID login

Sail Loans

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MyFluent

No in-app purchases

None

Sail Loans

No in-app purchases

Questions

Is MyFluent free?
MyFluent 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, MyFluent or Sail Loans?
MyFluent and Sail Loans are both rated 5.0 out of 5 on the App Store, from 2 and 3 ratings respectively.
Do MyFluent or Sail Loans have ads?
Neither MyFluent nor Sail Loans shows ads.
Which is updated more often, MyFluent or Sail Loans?
MyFluent ships an update every 3 weeks, and Sail Loans every 3 months. Most recently, MyFluent was updated on October 10, 2026 and Sail Loans on October 16, 2026.

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