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 I need to get my iPhone serviced, but it's my only phone. What do people do in this situation? 

Do they give you a loaner, or do I need to get a cheap burner phone or something like that? 

I don't want to be without a phone for days. 
 @bb052609 @c0d5fe1a The couple of times I’ve serviced my phone (screen and battery) it was a same day repair. 
 @bb052609 My sister was given a loaner. 
 @bb052609 Do you have AppleCare+ or is it out of warranty?

Depending on the capabilities of the Apple Store you bring it to, many repairs can be completed the same day. It'll depend on what's wrong, which model you have and how well-stocked with service parts and well-staffed with trained service people they are.

They will tell you at the time of your appointment whether they can fix it in house or need to send it out.

Apple *does* have a loan program for long-term service situations. 
 @bb052609 @c0d5fe1a this situation absolutely sucks, the repair system doesn’t really take it into account properly, and at bottom you may just need to get a backup phone.

Personally what I’ve done in the past is to physically go in to the genius bar, with an appointment early in the day, and try to get an on-site repair. *usually*, especially if you have applecare, they’ll either fix it same-day or offer a replacement. Bring a laptop with a full, current backup of your phone.