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A hierarchy of asymptotic models governing long-wave low-frequency in-plane motion of a fluid-loaded elastic layer is established. In contrast to a layer with traction-free faces, modelled by Neumann boundary conditions, a fluid-loaded one assumes more involved conditions along the interfaces, dictating a special asymptotic scaling. The latter corresponds to a fluid-borne bending wave, controlled by elastic stiffness of the layer and fluid inertia. In this case, the transverse inertia of the layer and fluid compressibility do not appear at zero-order approximation. The first-order approximation is associated with a Kirchhoff plate, immersed into incompressible fluid. In the studied free vibration setup, the fluid compressibility has to be taken into account only at third order, along with elastic rotary inertia. Transverse shear deformation enters the second-order approximation along with a few other corrections. The conventional impenetrability condition has to be also refined at second order. Dispersion relations corresponding to the developed asymptotic models are compared with the polynomial expansions of the full dispersion relation, obtained from the plane-strain problem of linear elasticity. [ABSTRACT FROM AUTHOR]