# Avier Advisors vs Scratch Plans

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.

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.

## The numbers

| Metric | Avier Advisors | Scratch Plans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/avier-advisors/id1380240867/reviews)** | [2.9 (50 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) |
| Number of ratings | 1 | **50** |
| Positive reviews | — | 34.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | Every 5 months |
| Monetization | Free | Free |
| Size | 61 MB | 28 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [RAM Investment Partners, LLC](https://appshunter.io/developer/1380240866) | [Scratch Financial, Inc](https://appshunter.io/developer/1408133639) |

## What reviewers say

### Avier Advisors

[App page](https://appshunter.io/ios/app/avier-advisors/id1380240867)

Access your financial accounts securely on the go. View performance reports and retrieve important documents from your vault. Manage your investments with ease.

**Highlights:** Secure account access, Performance reports, Document vault, Investment management, Mobile access

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Scratch Plans

[App page](https://appshunter.io/ios/app/scratch-plans/id1492643953)

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.

**Highlights:** 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

**In-app purchases:** none


## Frequently asked questions

### Is Avier Advisors free?

Avier Advisors is free to download, with no in-app purchases.

### Is Scratch Plans free?

Scratch Plans is free to download, with no in-app purchases.

### Which has better reviews, Avier Advisors or Scratch Plans?

Avier Advisors is rated higher. Avier Advisors averages 5.0 out of 5 from 1 ratings, while Scratch Plans averages 2.9 from 50 ratings.

### Do Avier Advisors or Scratch Plans have ads?

Neither Avier Advisors nor Scratch Plans shows ads.

### Which is updated more often, Avier Advisors or Scratch Plans?

Avier Advisors ships an update every 5 months, and Scratch Plans every 5 months. Most recently, Avier Advisors was updated on September 24, 2026 and Scratch Plans on July 17, 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.*