# Scratch Plans vs Sunbit

The clearest difference is rating: Sunbit at 4.0 against Scratch Plans's 2.9. Sunbit also leads on update cadence (fortnightly vs every 5 months) and chart position (#203 vs unranked). On price, review sentiment, 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.

Sunbit holds the better App Store score, 4.0 against 2.9. That said, the two scores are not equally well evidenced: Sunbit has 371 ratings behind it against 50, so its average is the more settled of the two. Written reviews point the same way: 34% of Scratch Plans's written reviews are positive against 37% of Sunbit's.

Scratch Plans ships an update every 5 months, Sunbit fortnightly. The most recent releases landed on October 6, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Scratch Plans | Sunbit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (50 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) | **[4.0 (371 ratings)](https://appshunter.io/ios/app/sunbit/id1551590090/reviews)** |
| Number of ratings | 50 | **371** |
| Positive reviews | 34.5% of reviews | **37.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Fortnightly** |
| Monetization | Free | Free |
| Best chart rank | — | **#203** |
| Size | 28 MB | 72 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 12+ | 4+ |
| Developer | [Scratch Financial](https://appshunter.io/developer/1408133639) | [Sunbit. Inc](https://appshunter.io/developer/1399985465) |

## What reviewers say

### 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

**Features:** Vision Pro support

**In-app purchases:** none


### Sunbit

[App page](https://appshunter.io/ios/app/sunbit/id1551590090)

**Currently charting:** #203 Top Free · Finance (US App Store)

Manage your buy now, pay over time financing for everyday purchases and services. View account details, make payments, and track your installment plans. Access your transaction history and update payment information easily.

**Highlights:** Manage Sunbit Card, View account details, Make payments, Download monthly statements, Manage payment plans, Track installment payments, Update payment methods

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 💡 Helpful for financing needs
- 👍 Convenient app
- 🚀 Quick approval process

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🐛 Oversized UI elements
- 🐛 Face ID/login issues
- 🐛 Disconnects bank account
- 🐛 Lack of payment scheduling options

**Reported bugs**

- App crashes when viewing transactions
- Face ID/login functionality not working
- Bank account keeps disconnecting
- Oversized UI elements on smaller screens
- Inability to see full payment details

**Requested features**

- Add payment scheduling options
- Improve app stability and performance
- Enhance user interface and navigation
- Provide better customer support


## Frequently asked questions

### Is Scratch Plans free?

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

### Is Sunbit free?

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

### Which has better reviews, Scratch Plans or Sunbit?

Sunbit is rated higher. Scratch Plans averages 2.9 out of 5 from 50 ratings, while Sunbit averages 4.0 from 371 ratings.

### Do Scratch Plans or Sunbit have ads?

Neither Scratch Plans nor Sunbit shows ads.

### Which is updated more often, Scratch Plans or Sunbit?

Scratch Plans ships an update every 5 months, and Sunbit fortnightly. Most recently, Scratch Plans was updated on October 6, 2026 and Sunbit on October 11, 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.*