# Scratch Plans vs medZERO

The clearest difference is review sentiment: medZERO at 100% against Scratch Plans's 34%. medZERO also leads on rating (5.0 vs 2.9) and update cadence (fortnightly vs every 5 months). Scratch Plans's advantage is ratings volume (50 vs 6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

medZERO 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 6, 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 100% of medZERO's.

Scratch Plans ships an update every 5 months, medZERO fortnightly. The most recent releases landed on October 6, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | Scratch Plans | medZERO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (50 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/medzero/id1596864661/reviews)** |
| Number of ratings | **50** | 6 |
| Positive reviews | 34.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 28 MB | 26 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 12+ | 4+ |
| Developer | [Scratch Financial](https://appshunter.io/developer/1408133639) | [medZERO, Inc.](https://appshunter.io/developer/1595190478) |

## 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


### medZERO

[App page](https://appshunter.io/ios/app/medzero/id1596864661)

Access funds instantly to cover out-of-pocket healthcare costs over time. Enjoy zero interest and zero fees on eligible expenses like glasses or past medical bills. Enrollment takes under 5 minutes.

**Highlights:** On-demand access to funds, Pay for healthcare expenses over time, Zero interest financing, Zero fees, Quick enrollment (under 5 minutes), Account information at your fingertips

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Scratch Plans free?

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

### Is medZERO free?

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

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

medZERO is rated higher. Scratch Plans averages 2.9 out of 5 from 50 ratings, while medZERO averages 5.0 from 6 ratings.

### Do Scratch Plans or medZERO have ads?

Neither Scratch Plans nor medZERO shows ads.

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

Scratch Plans ships an update every 5 months, and medZERO fortnightly. Most recently, Scratch Plans was updated on October 6, 2026 and medZERO on October 7, 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.*