Simple Loan vs Sail Loans
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Simple Loan
Easily calculate monthly loan payments by inputting loan amount, term, and interest rate. This tool helps determine costs for various loan types like car loans or mortgages.
- Loan payment calculation
- Input loan amount
- Input loan term
- Input interest rate
- Supports car loans
- Supports mortgages
Read full descriptionHide full description
A simple calculator to determine the monthly payment for a loan. Just enter the loan amount, the term, and the interest rate and calculate a car loan, mortgage, or any other loan. Optimized for the iPhone 5, 5s, & 6.
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.
- 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
Read full descriptionHide 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
Verdict
The clearest difference is update cadence: Simple Loan at fortnightly against Sail Loans's every 3 months. Simple Loan also leads on iOS requirement (8.2 vs 13.4). Sail Loans's advantage is ratings volume (3 vs 1). On price, rating, review sentiment 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
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 Simple Loan against 5.0 for Sail Loans. Both are backed by a comparable volume of ratings — 1 and 3 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
Simple Loan ships an update fortnightly, Sail Loans every 3 months. The most recent releases landed on October 15, 2026 and October 16, 2026 respectively.
| Parameter | Simple Loan | Sail Loans |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (3 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 1 | 3 — better |
| Update frequency | Fortnightly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 8.2 — better | 13.4 |
| Further details — not scored | ||
| Size | 9 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | Jim Corbo | Americash Loans LLC |
Customer experience
Simple Loan
Sail Loans
In-app purchases
Simple Loan
No in-app purchases
Sail Loans
No in-app purchases
