Currently Being ModeratedMay 8, 2012 10:04 PM (in response to Lara07)
I've never heard of them providing a "loaner". If you are near an Apple store take it to them for evaluation. If there is a hardware problem and the phone hasn't been damaged or jailbroken they will probably replace it on the spot. Regardless of what you do, be sure to sync the phone before sending it in to create a new backup. You will need this if your phone is replaced, to restore your data and settings. Also, be sure to back up your contacts, either in a supported program such as Outlook, or by syncing them to a cloud service such as Google, or by syncing them to iCloud (Settings>iCloud>turn Contacts to On). Also import any photos from the phone to your computer (http://support.apple.com/kb/HT4083).