Advice on Kilt

[Tobus]

My kilt has no such loops but I have been led to believe that any such loops are intended purely for the sporran strap/chain if present, never for a belt.

Yes, we've had some heated debates here in the past on that subject. The consensus from the traditional camp is that loops are not required, but if present, should be used as shown below. The kilt belt goes over the loops with the sporran strap going inside the loops. It doesn't make a whole lot of sense that the loops are tall enough to accommodate the belt (and they really do help keep the belt from rising up over the back of the kilt after repeated bending or sitting), but this is the way "they" say to wear it.