China Unicom Ivo Loan is a credit consumption service launched by China Unicom. As far as I know, Ivo Loan is a personal consumption credit service provided by China Unicom for qualified users based on its own user data and credit evaluation model. Users can apply for Ivo loan through China Unicom client or official website, and get a certain amount of credit loan after approval. One advantage of Ivo loan is that it does not need guarantee and collateral, which greatly facilitates users. In addition, the repayment method of Ivo loan is also flexible, and users can choose to repay by installments or pay off in one lump sum.

Please note that the specific product details and terms of service may be adjusted according to the policies and business development of China Unicom. Therefore, I suggest that you read and understand the relevant official information before considering applying for Ivo loan, or consult the customer service department of China Unicom to get the most accurate and up-to-date information.