Comparison

Cherry for Providers vs Scratch Plans

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Cherry for Providers

This app allows existing Cherry practices to accept patient payments and applications on compatible iOS devices. It serves as an add-on to desktop software, enabling convenient checkout and the ability to send application links to patients.

Highlights
  • Patient payment processing
  • Application submission
  • Checkout on iOS devices
  • Send application links
  • View outstanding approvals
Features
Read full description

Elevate your Cherry experience with Cherry for Providers, available exclusively to existing Cherry providers. As an optional add-on to our desktop software, Cherry for Providers enables your consumers to conveniently apply and checkout on your compatible iOS device. You can also text application and checkout links, view all outstanding approvals and completed transactions, preview estimated payment options, and more right from your device. Not a Cherry provider yet? Book a demo to learn more today at withcherry.com/book-demo. --- What is Cherry? Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time. --- Cherry is a financial technology provider and platform, not a bank or a lender. Please see withcherry.com/financing-partners for more information. Not every practice that offers Cherry will offer the payment plan terms listed above. Term length, loan amount, 0% APR and other promotional rates are subject to eligibility. Copyright © 2020-2026 Cherry Technologies, Inc. NMLS #2061234, 2261 Market Street #4869 San Francisco, CA 94114.

About

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.

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
Features
Read full description

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

Cherry for Providers3 screens
Scratch Plans4 screens

Verdict

The call

The clearest difference is rating: Cherry for Providers at 4.0 against Scratch Plans's 2.9. Cherry for Providers also leads on update cadence (every 2 months vs every 5 months). Scratch Plans's advantage is ratings volume (50 vs 4). On price, review sentiment, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Cherry for Providers holds the better App Store score, 4.0 against 2.9. That said, the two scores are not equally well evidenced: Scratch Plans has 50 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 36% of Cherry for Providers's written reviews are positive against 34% of Scratch Plans's.

UpkeepUpdate frequency

Cherry for Providers ships an update every 2 months, Scratch Plans every 5 months. The most recent releases landed on October 10, 2026 and October 14, 2026 respectively.

Scorecard3 real differences · 7 level
Cherry for Providers versus Scratch Plans: the parameters behind the verdict, then further details
ParameterCherry for ProvidersScratch Plans
PriceFreeFree
Rating4.0 (4 ratings) — better2.9 (50 ratings)
Positive reviews35.7% of reviews — better34.5% of reviews
Number of ratings450 — better
Update frequencyEvery 2 months — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size50 MB28 MB
Age rating4+12+
DeveloperCherry Technologies, Inc.Scratch Financial

Customer experience

Cherry for Providers

All ratings39 ratings
Positive46.2%
Neutral10.3%
Negative43.6%
Written reviews14 reviews
Positive35.7%
Neutral7.1%
Negative57.1%

Scratch Plans

All ratings50 ratings
Positive44.0%
Neutral4.0%
Negative52.0%
Written reviews29 reviews
Positive34.5%
Neutral10.3%
Negative55.2%

In-app purchases

None

Cherry for Providers

No in-app purchases

None

Scratch Plans

No in-app purchases

Questions

Is Cherry for Providers free?
Cherry for Providers 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, Cherry for Providers or Scratch Plans?
Cherry for Providers is rated higher. Cherry for Providers averages 4.0 out of 5 from 4 ratings, while Scratch Plans averages 2.9 from 50 ratings.
Do Cherry for Providers or Scratch Plans have ads?
Neither Cherry for Providers nor Scratch Plans shows ads.
Which is updated more often, Cherry for Providers or Scratch Plans?
Cherry for Providers ships an update every 2 months, and Scratch Plans every 5 months. Most recently, Cherry for Providers was updated on October 10, 2026 and Scratch Plans on October 14, 2026.

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