Well it's just that it's something that is answered well in the FAQ. If you go there and search for every instance of "loyalty" in the FAQ then it should answer it. If not then the search results I found for loyalty indicate that it's skins only. Even if the forum didn't return the answer, then google does pretty quickly.
Anyway, for little questions like that which don't really warrant a new discussion, this random question thread is better when a search fails.