Best Scratchpay Plans Apps & Games

248+ iOS apps & games curated and reviewed

4.6 avg rating
20 free apps & games
Updated August 2026

Looking for free scratchpay plans apps and games? 20 of our 248+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Scratchpay Plans Apps & Games (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Scratch PlansScratch PlansFree2.9★ (50)NoNoJul 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
3Get Paid Early: Cash AdvanceGet Paid Early: Cash AdvanceFree4.5★ (6.3K)NoNoAug 2026
4ScratchJoyScratchJoyFree4.6★ (1.8K)YesNoAug 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (112K)NoNoAug 2026
6Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (11K)YesNoAug 2026
7KittscratchKittscratchFreeYesNoMay 2026
8Clutch PlansClutch PlansFree5.0★ (2)NoNoMay 2026

Top Picks for Scratchpay Plans

Scratch Plans#1

Scratch Plans by Scratch Financial, Inc

Care now, pay later
Editor's Choice
💰 Finance
2.9(50 ratings)
Free
Scratch Plans screenshot 1
Scratch Plans screenshot 2
Scratch Plans screenshot 3
Scratch Plans screenshot 4
Scratch Plans screenshot 5

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.

Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(752K ratings)
Free
#32in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
Get Paid Early: Cash Advance#3

Get Paid Early: Cash Advance by StreamFunds, Inc.

Instant Paycheck, Earned Wages
Worth Considering
💰 Finance
4.5😞(6.3K ratings)
Free
Get Paid Early: Cash Advance screenshot 1
Get Paid Early: Cash Advance screenshot 2
Get Paid Early: Cash Advance screenshot 3
Get Paid Early: Cash Advance screenshot 4
Get Paid Early: Cash Advance screenshot 5

Access your earned wages before payday without loans, interest, or hidden fees. Get instant cash transfers to your bank or debit card 24/7. Build better financial health and manage your pay flexibly.

What We Love

  • 🚀 Speedy recovery
  • 🚀 Instant and Great
  • 👍 Fixed my issues
  • 👍 Fast when I needed it the most

Room to Improve

  • 🐛 Frozen/No support from customer support
  • 🐛 Horrible app
  • 🐛 Not sure about this app

More Scratchpay Plans apps to explore

4
ScratchJoy
ScratchJoy
ScratchJoy
by LOJA PARAISO LTDA
Free

Engage in a free scratch card experience with daily opportunities to reveal surprises and collect points. Complete fun challenges and watch for lucky symbols to unlock bonus rounds and multipliers. Enjoy relaxing gameplay with colorful visuals and satisfying effects.

Daily scratch cardsDaily rewards and bonusesFun in-app challenges
🎮 Games
(1.8K)
ad-supported
5
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
🛍️ Shopping
(112K)
freemium
6
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
💰 Finance
(11K)
free with in-app purchases
7
Kittscratch
Kittscratch
Kittscratch
by Fleetprom Kft.
Free
🎬 Entertainment
(0)
8
Clutch Plans
Clutch Plans
Clutch Plans
Clutch Plans
Free

This app helps you organize your daily life by managing your schedule, tracking your budget, and planning your meals. It's designed for individuals and families looking to reduce stress and improve clarity.

Calendar and schedulingBudget trackingMeal planning
📊 Productivity
(2)
subscription
9
ZipScratch
ZipScratch
ZipScratch
by info@corvellae.shop
Free

Engage in a world of simple, satisfying fun by scratching to reveal hidden surprises and collect points. Enjoy light-hearted entertainment with daily bonuses, fun challenges, and lucky symbols. This app offers easy, quick gameplay with bright graphics and smooth effects for your enjoyment.

Scratch and reveal daily surprisesDaily login bonuses and rewardsComplete fun challenges for boosts
🎮 Games
(1.2K)
free with in-app purchases
10
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Instant Cash & Expense Tracker
Free

Access instant cash advances up to $500 with no interest or credit checks. Build your credit score by reporting rent payments and track your financial health with budgeting tools. Take control of your finances with this all-in-one financial management app.

Instant cash advances up to $500No interest, no credit checkBuild credit by reporting rent
💰 Finance
(36K)
free
11
Awesome Plan Management
Awesome Plan Management
Awesome Plan Management
by Ali Omar
Free
💰 Finance
(0)
12
Vegas Scratch Fortune
Vegas Scratch Fortune
Vegas Scratch Fortune
by Guangzhou Dafenqi Network Technology Co., Ltd.
Free

Experience the thrill of Vegas-style scratch cards with dazzling animations and exciting jackpot opportunities. Discover a variety of scratch cards with unique rules and chances to win big. Spin the Lucky Wheel for bonus payouts and grand rewards.

Vegas-style scratch card gameplayVariety of scratch cards with unique rulesLucky Wheel for bonus payouts
🎮 Games
(1.7K)
free with in-app purchases
13
ScratchOnTx
ScratchOnTx
ScratchOnTx
Feeling lucky? Play smart.
Free
🎬 Entertainment
(0)
14
Budgets For Plans
Budgets For Plans
Budgets For Plans
Plans to stick to a budget!
Free
🔧 Utilities
(0)
15
Ledger: Pay Cycle Planner
Ledger: Pay Cycle Planner
Ledger: Pay Cycle Planner
Money planned by pay cycle
Free

This app helps you manage your money based on your pay cycle, not just monthly. It tracks income, expenses, and savings to show you what's available before your next payday, offering a clear financial overview without complex budgeting.

Pay cycle planning (weekly, fortnightly, monthly)Multiple income stream managementRecurring and one-off expense tracking
💰 Finance
(0)
freemium
16
Easy Event Planner
Easy Event Planner
Easy Event Planner
Plan Any Event
Free
🔧 Utilities
(0)
17
Lottery Scratchers Scratch Off
Lottery Scratchers Scratch Off
Lottery Scratchers Scratch Off
Lottery Ticket Scanner Games
Free

Experience the thrill of lottery scratch-off tickets in a fun, stress-free game. Scratch hundreds of unique themes with realistic effects, playable offline on smartphones and tablets. Designed for entertainment purposes only.

60+ unique scratch-off ticket themesRealistic scratching effectsHundreds of addictive levels
🎮 Games
(58)
free with in-app purchases
18
Scratch To Win 2024
Scratch To Win 2024
Scratch To Win 2024
Best Of Scratch And Win Game
Free

Engage in a classic scratch card experience designed for entertainment. This game challenges you to scratch the board to reveal points and achieve the highest score. It's suitable for all ages and offers hours of engaging gameplay.

Classic scratch card gameplayScore-based challengesSuitable for all ages
🎮 Games
(1)
free
19
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
💼 Business
(40K)
free
20
Paycor Mobile
Paycor Mobile
Paycor Mobile
by Paycor, Inc
Free

Access payroll, time tracking, and HR functions from your mobile device. View pay stubs, manage time cards, request time off, and access company information. Managers can approve requests and manage employee time.

View pay stubs and W-2sPunch in/out and manage time cardsRequest and approve time off
💼 Business
(34K)
free

FAQ about Scratchpay Plans

What are the best scratchpay plans apps & games for iPhone?
Scratch Plans tops our scratchpay plans apps & games ranking as of August 2026, with a 2.9-star average from 50 App Store ratings, and it's free to download.
Yes — 20 of the top scratchpay plans apps & games we rank are free to download, including Scratch Plans and Afterpay: Pay over time.
Scratch Plans has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 248+ scratchpay plans apps & games on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Scratch Plans offers flexible payment plans for various medical expenses, including veterinary, dental, and vision care. These plans can start as low as 0% APR and come with no prepayment penalties or hidden charges. The app allows users to manage their loans, set up autopay, and find participating healthcare providers.
Checking your rates and accepting payment plans through Scratch Plans will never impact your credit score. The application process involves a soft credit check, which is designed to be transparent and not negatively affect your credit history.