Scratch Plans vs LastCall
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
LastCall
This app helps hospitality workers track their earnings from cash and credit tips. It provides insights into hourly rates, venue comparisons, and weekly breakdowns to understand earning patterns. Log shifts quickly and monitor progress towards financial goals.
- Log shifts in under 10 seconds
- Cash and credit tip tracking
- Hourly rate analysis
- Venue and shift comparisons
- Weekly earnings breakdown
- Personalized insights
- Goal tracker
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Are you actually tracking your tips or just guessing? Most hospitality workers have no idea what they really make until the money is already gone. Last Call was built by the people behind the bar who lived that reality and got tired of it. Last Call is the tip tracker designed specifically for bartenders, servers, baristas, and hospitality workers. Log every shift in under 10 seconds and instantly see where you make the most money. Track cash and credit tips separately, compare venues, and understand exactly which shifts, days, and hours earn you the most. The insight engine analyzes your real shift data and tells you what it means. Not just what you made, but why some nights are worth twice as much as others. Built for hospitality. Not delivery drivers. Not freelancers. Not everyone. Just us. WHAT YOU GET: Log shifts in under 10 seconds Cash and credit tip tracking Hourly rate analysis and trends Venue and shift comparisons Weekly earnings breakdown Streak tracker to build the habit Personalized insights after every shift Calendar view of all your shifts Multiple venue and job support Goal tracker with visual progress Last Call. Know Your Money. Privacy Policy: https://sites.google.com/pouroverlabsllc.com/lastcallprivacypolicy/home Terms of Use (EULA): https://sites.google.com/pouroverlabsllc.com/terms-of-use/home
Screenshots
Verdict
The clearest difference is rating: LastCall at 5.0 against Scratch Plans's 2.9. LastCall also leads on update cadence (daily vs every 5 months). Scratch Plans's advantage is in-app purchases (none vs 2) and ratings volume (50 vs 1). On price, ads, device support and iOS requirement 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. LastCall sells 2 in-app purchases, starting at $9.99 per month. Scratch Plans asks for nothing beyond the download.
LastCall 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.
Scratch Plans ships an update every 5 months, LastCall daily. The most recent releases landed on July 17, 2026 and September 17, 2026 respectively.
| Parameter | Scratch Plans | LastCall |
|---|---|---|
| Price | Free | Free |
| Rating | 2.9 (50 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 34.5% of reviews | — |
| Number of ratings | 50 — better | 1 |
| Update frequency | Every 5 months | Daily — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 28 MB | 56 MB |
| Age rating | 12+ | 12+ |
| Developer | Scratch Financial, Inc | Brian Alphs |
Customer experience
Scratch Plans
LastCall
In-app purchases
Scratch Plans
No in-app purchases
LastCall
- LastCall Premium Monthly$9.991 Month
- LastCall Premium Yearly$59.991 Year
Questions
Is Scratch Plans free?
Is LastCall free?
Which has better reviews, Scratch Plans or LastCall?
Do Scratch Plans or LastCall have ads?
Which is updated more often, Scratch Plans or LastCall?
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