Loaners:
RAM: I have only been in twice at the same stealership, so take it with a grain of salt.. but, I got into a hypothetical debate over this with the service manager, when my truck was in for the rear window was leaking.. he told me they only provide a loaner if the repair will take longer than 1 business day (does not include the day you drop the truck off), it has to be preapproved by RAM, and if they have any loaners instock. Also, if your vehicle is driveable, they will not provide a loaner while they are waiting on parts to come in. So if your HVAC system goes out, infotainment system dies, truck is leaking water (good thing I have a garage), etc you're ****-out-of-luck and stuck driving the truck without heat/air, radio, dumping water on your head, etc. If it's 'safe' to drive, you're driving it. Now, he also said you can argue, ask for the GM, raise hell, etc and they usually cave.. but the above is the 'policy' they're supposed to follow. The wife and I work in the same business park, so it was no big deal for us.. but if this had been a few years prior, it would have really caused issues.
By comparison, Ford ALWAYS gave me a loaner if the warranty repair was going to take longer than the same day. They would even go down to the local Enterprise to get a car if they did not have a loaner available.