Digital channels compared
| Channel | What it does | Active loan management? |
|---|---|---|
| hoovi.ee (responsive) | Product pages, calculators, articles | No — informational |
| app.hoovi.ee/laenutaotlus | Submit new application (ärilaen, krediidiliin, etc.) | No |
| +372 5191 9192 | Speak to Hoovi team / manager | Yes — primary channel |
| Email invoices | Monthly payment references | Pay via bank transfer |
| App Store / Google Play | No official Hoovi app found (2026) | N/A |
Using your phone without an app
- Apply: open app.hoovi.ee/laenutaotlus or hoovi.ee on mobile Safari/Chrome — complete the 1-minute form and upload ASICE bank statements as instructed.
- Track application: wait for account manager call (~1 hour on business days for ärilaen, per marketing).
- Manage active loan: save manager phone/email; pay invoices by mobile banking using the reference number on each invoice.
- Support: call +372 5191 9192 Mon–Fri 9:00–17:00 — confirm the number matches hoovi.ee before returning calls.
Hoovi mobile web vs consumer lender apps
| Hoovi (mobile web + manager) | MyMogo / Bondora app | |
|---|---|---|
| New application | app.hoovi.ee form | Full in-app flow |
| Balance / schedule | Manager / email | Self-service 24/7 |
| Push payment reminders | No | Often yes |
| Smart-ID signing | At offer stage (web) | In-app |
| Target client | SME / FIE | Retail consumer |
Security
Hoovi will not ask for PIN codes or Smart-ID passwords by SMS or phone. Use only 5191 9192 from the official website. Avoid third-party apps claiming to be «Hoovi Finance» — phishing risk.
YMYL notice
Absence of a management app is normal for Hoovi's B2B model. Critical: keep manager contact, invoice references and contract PDFs safe. Business default affects Creditinfo for the company and guarantors. Hoovi is not on the Finantsinspektsioon KAVS consumer lender list — compare with regulated väikelaen providers if you need retail self-service.