LORELAI: Luke, that’s a loan.
LUKE: No, it’s just a temporary exchange of money for services that will be paid back when you finally have the . . . it’s a loan.
Luke makes an attempt to help Lorelai by advancing her the money to pay for the home repairs, as well as getting in a “good contractor” who did some work at the diner for him. I wonder if this is Tom the Contractor, who appears later in the show, and may be the same Tom who assisted Rory in her volunteer work for Rebuilding Together?
Lorelai thanks Luke but turns his offer down. She is refusing help from both family and friends, apparently determined to go it alone.