Comparison

Scratch Plans vs LastCall

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

Head to head
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
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

About

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.

Highlights
  • 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
Features
Read full description

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

Scratch Plans4 screens
LastCall4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Scratch Plans ships an update every 5 months, LastCall daily. The most recent releases landed on July 17, 2026 and September 17, 2026 respectively.

Scorecard5 real differences · 5 level
Scratch Plans versus LastCall: the parameters behind the verdict, then further details
ParameterScratch PlansLastCall
PriceFreeFree
Rating2.9 (50 ratings)5.0 (1 ratings) — better
Positive reviews34.5% of reviews—
Number of ratings50 — better1
Update frequencyEvery 5 monthsDaily — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size28 MB56 MB
Age rating12+12+
DeveloperScratch Financial, IncBrian Alphs

Customer experience

Scratch Plans

All ratings49 ratings
Positive44.9%
Neutral6.1%
Negative49.0%
Written reviews29 reviews
Positive34.5%
Neutral10.3%
Negative55.2%

LastCall

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Scratch Plans

No in-app purchases

2 purchases

LastCall

Subscriptions2
  • LastCall Premium Monthly$9.991 Month
  • LastCall Premium Yearly$59.991 Year

Questions

Is Scratch Plans free?
Scratch Plans is free to download, with no in-app purchases.
Is LastCall free?
LastCall is free to download, with in-app purchases available.
Which has better reviews, Scratch Plans or LastCall?
LastCall is rated higher. Scratch Plans averages 2.9 out of 5 from 50 ratings, while LastCall averages 5.0 from 1 ratings.
Do Scratch Plans or LastCall have ads?
Neither Scratch Plans nor LastCall shows ads.
Which is updated more often, Scratch Plans or LastCall?
Scratch Plans ships an update every 5 months, and LastCall daily. Most recently, Scratch Plans was updated on July 17, 2026 and LastCall on September 17, 2026.

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