# Simple Loan vs Sail Loans

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.

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.

## The numbers

| Metric | Simple Loan | Sail Loans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/simple-loan/id987299504/reviews) | [5.0 (3 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews) |
| Number of ratings | 1 | **3** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 months |
| Monetization | Free | Free |
| Size | 9 MB | 24 MB |
| Requires iOS | **8.2** | 13.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Jim Corbo](https://appshunter.io/developer/987299503) | [Americash Loans LLC](https://appshunter.io/developer/1529566329) |

## What reviewers say

### Simple Loan

[App page](https://appshunter.io/ios/app/simple-loan/id987299504)

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.

**Highlights:** Loan payment calculation, Input loan amount, Input loan term, Input interest rate, Supports car loans, Supports mortgages

**Features:** macOS Compatibility

**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 Simple Loan free?

Simple Loan 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, Simple Loan or Sail Loans?

Simple Loan and Sail Loans are both rated 5.0 out of 5 on the App Store, from 1 and 3 ratings respectively.

### Do Simple Loan or Sail Loans have ads?

Neither Simple Loan nor Sail Loans shows ads.

### Which is updated more often, Simple Loan or Sail Loans?

Simple Loan ships an update fortnightly, and Sail Loans every 3 months. Most recently, Simple Loan was updated on October 15, 2026 and Sail Loans on October 16, 2026.

---

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