Frequently Asked Questions

To update your SAIL password, follow these steps:

• Log into your SAIL online customer portal account
• Under "MANAGE ACCOUNT", select "CHANGE PASSWORD"
• Type in your current and new passwords and select "NEXT". Your password is now updated.

If you currently have an active loan with SAIL Loans, please call 833-700-7245 or email cs@sailloans.com.

Please be prepared to fax, text, or email a copy or photo of a voided check or bank statement from your new bank account. Also, if you are submitting a voided check, please do not submit starter checks, as we do not accept these as valid proof of bank information.

To update your employer information with SAIL, please call 833-700-7245 or email cs@sailloans.com. 

To update your SAIL Loans account information, please call 833-700-7245 or email cs@sailloans.com.

To reset your SAIL password, follow these steps:

• Click the "NEED HELP?" link under the customer login section in the top right corner of the website
• Select "I FORGOT MY PASSWORD" and fill in your username. Then select "NEXT"
• Select your preferred communication method and select "NEXT". You will be sent a unique PIN that will allow you to reset your SAIL password.

Please call 833-700-7245 to reset or retrieve your SAIL username.

*Hint - Your username may be your email address.

Yes, these documents include:

• Verified bank account and voided check (if applicable)
• Valid Driver’s License/State ID
• Current proof of income ( ex. pay stub or benefits letters)

Yes, less than perfect credit will not prevent you from qualifying for a loan from SAIL. Even if you have been turned down by other lenders, SAIL may be able to assist you in obtaining a credit option that fits your needs.

Our Refer-A-Friend program allows you to earn while sharing SAIL with your friends, family members, and co-workers. Follow the steps below and you’ll receive $50… and your friend gets $25, too!*
It’s simple.

1. Copy the customized link in the customer portal and share it with your friends!
2. They apply for a loan using your portal link or by providing your name or Referral ID number.
3. If approved, you will receive up to $50 and they will get up to $25 credit towards their new loan.*

*Restrictions may apply. Referring customer name or ID number must be presented at time of new loan origination in order to be eligible. Checks may be issued instead of cash. Offer is subject to termination at any time.

SAIL online applicants will receive an email notification when approved.

Please have the following ready when applying for a loan online:

• Unexpired Drivers License/State ID 
• Current Bank Statement tied to your direct deposit - 30 days of transactions
• Pay Stub (most recent) OR Benefits Letter (current year)

Proof-of-income may include a government benefits award letter with a recent bank statement displaying proof of direct deposits within the last 30 days.

SAIL uses email and text communications to keep you informed of your loan approval, payment reminders, promotions, events and more. It's very important that you receive all email communication from SAIL concerning your account.

To ensure you receive important emails from SAIL please add our email address, cs@sailoans.com to your address book as a trusted contact.

A credit builder loan is an installment loan that is paid back through a series of payments, helping you build your credit history. While making payments, a customer savings component is created and will build with interest. When you finish your payments, the customer savings component is transferred to you within 15 business days.^◆

The amount you’re approved for is based information you provide in your SAIL application. 

There are also state-mandated loan amount limits. Please visit your State page to view loan Rates & Terms.

When you complete your application before 1:30pm CST with all required documents, underwriting approval and signatures, you are eligible to receive your cash the same day. Restrictions may apply.

You can take advantage of the following repayment options:

• Installment Payments: You may pay back your loan principal plus accrued fees 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.

If you currently have an active loan please contact our Customer Service Team via email at cs@sailloans.com or by phone at 833-700-7542

Please see our Rates & Terms pages by state for more info.

Please call 833-700-7245 to speak with a representative. Do not email or fax any credit card or bank information to our Customer Support Department.

You must contact us immediately to set up payment arrangements. If your debit is returned unpaid from the bank for any reason, we will initiate recovery procedures immediately.