Loke was matchmade by other relatives and married Loke Yew in 1914, after his third wife and her distant cousin Lim Shuk Kwei died. After only three years of marriage and the birth of three children, Loke Yew died. Upon his death, she had to bring up three children on her own, and was especially concerned with the poor health of her eldest child: her son Wan Tho. This spurred her to the point of bringing the children abroad for education and healthcare in Switzerland in 1929.