Avier Advisors vs Scratch Plans
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Avier Advisors
Access your financial accounts securely on the go. View performance reports and retrieve important documents from your vault. Manage your investments with ease.
- Secure account access
- Performance reports
- Document vault
- Investment management
- Mobile access
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The Avier mobile app offers you secure access to your accounts, performance reports, and document vault.
Scratch Plans
Access flexible payment plans for medical expenses with low APR and no hidden fees. Manage your loans, set up autopay, and reapply for new plans easily. Find practices that accept these convenient financing options.
- Low APR payment plans
- No prepayment penalties or hidden charges
- Credit score unaffected by rate checks
- 1-click autopay enrollment
- In-app loan management
- Reapply for new plans
- Find participating practices
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Scratchpay payment plans start as low as 0% APR, and have no prepayment penalties, hidden charges or deferred interest. Checking your rates & accepting plans will never impact your credit score. With Scratchpay, you can easily make payments, get 1-click access to autopay, keep track of all loan statements, update account information, reapply for new plans directly in-app and much more! Convenient Login. Current borrowers can easily log into their Scratchpay account. Make & Monitor Loan Payments From Anywhere. Log in to securely make loan payments in a couple clicks. Track status of upcoming payments to stay up to date. Secure, 1-click Autopay Enrollment. Securely turn autopay on or off with a click of a button to make paying your Scratchpay bills even simpler. Reapply for New Plans In-app. Need a new loan? Whether you have an upcoming dental cleaning, prescription refill for your pet, eye appointment or an unexpected emergency, Scratchpay makes reapplying for a new plan more convenient than ever. Find Practices Offering Scratchpay. See which medical practices near you offer Scratchpay payment plans. We’re currently offered in veterinary, dental, orthodontic, vision, lasik, chiropractic care, physical therapy, cosmetic surgery, weight loss, primary care, fertility, dermatology, and more! Easily Update Account Information. Add a new payment method, update your billing address and other account details directly in our app. Why Scratchpay? Payment plans starting as low as 0% APR No hard credit checks or hidden fees Higher loan approval rates Available at 11,000 medical practices! Easy, 2-minute application with instant approval decision Checking rates & accepting plans never impacts your credit score Scratchpay: Simple, convenient, secure. Care now, pay later with Scratchpay! Learn more at www.scratchpay.com
Screenshots
Verdict
The clearest difference is rating: Avier Advisors at 5.0 against Scratch Plans's 2.9. Scratch Plans's advantage is ratings volume (50 vs 1). On price, update cadence, ads and in-app purchases 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.
Avier Advisors holds the better App Store score, 5.0 against 2.9. That said, the two scores are not equally well evidenced: Scratch Plans has 50 ratings behind it against 1, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 5 months. The most recent releases landed on September 24, 2026 and July 17, 2026 respectively.
| Parameter | Avier Advisors | Scratch Plans |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 2.9 (50 ratings) |
| Positive reviews | — | 34.5% of reviews |
| Number of ratings | 1 | 50 — better |
| Update frequency | Every 5 months | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 61 MB | 28 MB |
| Age rating | 4+ | 12+ |
| Developer | RAM Investment Partners, LLC | Scratch Financial, Inc |
Customer experience
Avier Advisors
Scratch Plans
In-app purchases
Avier Advisors
No in-app purchases
Scratch Plans
No in-app purchases
Questions
Is Avier Advisors free?
Is Scratch Plans free?
Which has better reviews, Avier Advisors or Scratch Plans?
Do Avier Advisors or Scratch Plans have ads?
Which is updated more often, Avier Advisors or Scratch Plans?
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