Doctors' Welfare Trust offers four different categories of loan facility to members. These include regular, emergency, project and commodity loans.

Regular Loan
An individual who wants to access the regular loan must fulfill the following conditions:

• He/she must have been a member of the scheme for a minimum of 6 months;
  
• He/she must have two guarantors who must have been 6 months or more in the scheme;
  
• He/she may request for a maximum of twice his/her savings;
  
• He/she has maximum of 12 months to pay back; and
  
• Interest is 1% of the principal with factors of number of months of repayment considered.
  

Emergency Loan
This loan is targeted at resident doctors and house officers who just resume work and may need money to get accommodation to settle down. Also, for those who have an urgent financial need.
The individual who needs this loan must fulfill the following conditions:

• He/she must be a REGISTERED member of the scheme;
  
• He/ she must have two guarantors who must have been members of the scheme for 6 months or more;
  
• He/she can only access 200,000 maximum; and
  
• Interest is 2.5% monthly for maximum of 4 months.
  

Project Loan
This loan is specifically designed for members who want to finance special projects.
The individual who needs this loan must fulfill the following criteria:

• He /she must have been a member for 6 months or more;
  
• He/she must have two guarantors who have been members of the scheme for 6 months or more;
  
• He/she can access a maximum of four times his/her savings;
  
• He/she has maximum of 24 months to pay back; and
  
• Interest is 1.5% of the principal with factor of number of months for repayment considered.
  

Commodity Loan
Any financial member qualifies for this loan. It is designed for members who intend to purchase household commodities:

• He /she must be a financial member of the scheme irrespective of the duration of membership;
  
• He/she must have two guarantors who have been members of the scheme for a minimum of 6 months; and
  
• He/she will pay back in 6 months with 10% flat interest rate.