https://wccftech.com/apple-iphone-xr-loaning-service/

From November 4, Apple will be loaning iPhone XR models to customers who have currently given their own iPhones to an official outlet or Authorized Service Provider and they are taking too long to get serviced.

Assuming you do not have a backup iPhone in your hands, you will now be loaned a better handset from next week. According to an internal memo obtained by MacRumors, Apple Stores and Apple Authorized Service Providers will offer customers an iPhone XR as a loaner device during lengthier repairs. The advantage of this arrangement is that the offer is not just available in the U.S., but in other regions too.