I've always found the way the game deals with loans to be totally different to transfers and indeed real life.
They very, very rarely will negotiate wages for loans in or out and the same with monthly fees, in real life teams might pay millions for an established big league player but in game they might offer 100k and that's it, you counter and they pull out right away. They are way too stingy on it and expect you to agree to low balls out and pay through the nose to loan in.
It's always been this way for as long as I remember!