To qualify, a need must arise from illness or injury. The illness may be that of a member or of a close, dependent relative such as a husband, parent or child. The member must be in good standing as to international fees at the time of application. That application must have the chapter executive board approval. Upon approval by the board, the application should be forward to the International Loan Fund for the issuance of the loan, subject to confirmation by the International Loan Committee.
Loans bear no interest charge and require no collateral.
A promissory note is given. Terms are voluntary, according to circumstances and prospective means of repayment.