At least in my local library system, you can specify how much (if anything) you'll pay to initiate a loan from another library. That said, I generally leave it at $0, and I haven't ever had a loan denied. In fact, the lending library typically also gives longer return times than my local, I have one right now for two months. The only shortcoming - you can't borrow titles printed in the calendar year of your request (which becomes more and more of a pain as the year goes on), which I am sure is intended to protect access for their patrons.