Some dealers flat out turn you down. They said there is a rent-a-car about 5 blocks away and they give you a discount if you tell them we sent you.. I said no thanx!!!
While some dealers require service contract for loaners, say additoinal monthly payment included in your lease/finance.
And while others use it to promote their sales. When I first dropped my jeep they said no, because I didn't buy my jeep there, so no loaner, second time because they did $1000 work on it, they gave me one, and this was the third time, they gave me one. I am hoping because once they did, they will keep giving me one. But to be honest, they are crooks, they say you have 1/4 tank and want it the same condition, actually you have less then 1/8.. i always forget going back and ending up losing about $10 gas in it..