# MyFluent vs Sail Loans

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.

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

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.

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.

## The numbers

| Metric | MyFluent | Sail Loans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/myfluent/id576793105/reviews) | [5.0 (3 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews) |
| Number of ratings | 2 | **3** |
| Positive reviews | 92.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 51 MB | 24 MB |
| Requires iOS | 17.0 | **13.4** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Fluent Money](https://appshunter.io/developer/576793108) | [Americash Loans LLC](https://appshunter.io/developer/1529566329) |

## What reviewers say

### MyFluent

[App page](https://appshunter.io/ios/app/myfluent/id576793105)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 User-friendly interface
- 👍 Keeps users informed
- 👍 Good for tracking progress
- 👍 Allows communication with case worker/advisor

**What reviewers complain about**

- 🐛 Does not upload correctly
- 🐛 Email bounces back
- 🐛 Makes life more complicated
- 🐛 UX really awful
- 🐛 App doesn’t update in line with changes

**Reported bugs**

- 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

**Requested features**

- Ability to complete forms online
- Touch ID login


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