Cherry for Providers vs Scratch Plans
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Patient payment processing
- Application submission
- Checkout on iOS devices
- Send application links
- View outstanding approvals
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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.
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: 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Cherry for Providers | Scratch Plans |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4 ratings) — better | 2.9 (50 ratings) |
| Positive reviews | 35.7% of reviews — better | 34.5% of reviews |
| Number of ratings | 4 | 50 — better |
| Update frequency | Every 2 months — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 50 MB | 28 MB |
| Age rating | 4+ | 12+ |
| Developer | Cherry Technologies, Inc. | Scratch Financial |
Customer experience
Cherry for Providers
Scratch Plans
In-app purchases
Cherry for Providers
No in-app purchases
Scratch Plans
No in-app purchases
Questions
Is Cherry for Providers free?
Is Scratch Plans free?
Which has better reviews, Cherry for Providers or Scratch Plans?
Do Cherry for Providers or Scratch Plans have ads?
Which is updated more often, Cherry for Providers or Scratch Plans?
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