re: Pixel 4 XL or Oneplus 7 Pro?

There is no loaner phone or them sending you one first. You send your phone in and they say you should get it back in 2 weeks. I think it's a little different if you buy it from Google. Mine is from Verizon though. I had to go through my protection plan for the fingerprint sensor being crooked. Verizon will tell you at first that google handles the warranties. Pretty shitty.