Sorry for the delayed response! I hadn't, but I investigated after your post, and it was a pain to set it up (you need Adobe Digital Editions plus a free account, and then you need a computer and your kobo reader, tried it on a tablet and no joy, then it's like transferring files via a memory stick) but once I'd linked it once, I was able to log into my libby account straight from the ereader, and I can now borrow books directly on my ereader (like when I used to be able to buy books directly on my kindle). Don't know if they only have that arrangement with Libby/Overdrive, but it is extremely easy. It downloaded the books that I had on loan automatically.