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I'm 22 and was never allowed a loaner/rental even when I was in an accident (not at my fault) and my car was being repaired under insurance. Rental had to be in my mom's name and I just drove it illegally.
 

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I was gonna say same thing if car was Co-Signed for. At least U Haul had a Youthful drivers fee to get you on the road. Enterprise as well and they waived it if you reserved on base.
Yeah Enterprise gave us the option to pay for the "under 25 driver fee" and my mom refused, since we weren't even paying for the rental itself. We're stubborn haha.
 
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