The general conditions governing loans are:

• General Loans attract a Fund Maintenance Contribution. Relief Loans do not.
• Your Commanding Officer and your Supervising Officer are an important part of the ARTF's formal loan process.
• Your Supervisor and then the CO will review your application to validate your employment details and, in conjunction with the Fund Loans Administration Officer, determine if the loan request is approved.
• Remember you are required to check the progress of your application with your Supervisor.
• Provided the information supplied enables a fair assessment of the applicant's capacity to repay and, the CO is able to certify that it is improbable that the member will be discharged on any known grounds, the request will normally be approved.
• Loans are a confidential arrangement between the fund and the individual. Information in applications is not given to any outside organisation or person without the written authority of the borrower and the Trustees.
• In all cases, applications are considered on their merits and in the context of funds availability. There is no guarantee that a loan will be approved.
• Loans are not usually made against contingent liabilities. However, a statement by the applicant's lawyer is sufficient to approve a loan application on anticipated legal expenses.
• Repayment is deducted from a member's pay at a rate which will fully repay the loan within a maximum period of two years.
• Members can calculate the repayment rates for a loan by using the loans calcualtor on this website.
• Members can only have one loan at a time.
• Top-up loan/second loan may be considered by the ARTF Secretay in exceptional circumstances.  If approved, a separate loan agreement and allotment will be issued.
• Should a member be currently under a Part IX agreement (bankruptcy arrangement); the application will be rejected until such time as the member can provide written evidence that he/she has been discharged from said agreement.