Loaner’s will USUALLY be a lower monthly than a demo, reason being is because dealer’s have less incentive to make a profit, they are usually bare bones given that they are being loaned out, and a few fee’s are waived. Demo’s we always need to make money on them. If you are shopping for a payment shoot for a loaner, if you are shopping for pure value demo’s are better because you can get a lot more features/options.