With TOC, I know with epubs if the TOC has been generated (all books I have bought have a TOC, and this can be done with Calibre when converting a non-drm file to epub) works an absolute charm. Depending on how the file was created you may see the list of chapters are the start of the epub, or by pressing the Menu button, then '4' (Goto Catalog) you can select your chapter and away you go.
Unfortunately I can't say how well borrowed books work, never borrowed (only libraries here in Aus that offer ebook borrowing are interstate and I can't get a library account with them).
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