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Welcome To No Credit Check Loans â˘ Improve Your Score. While this one might seem obvious for some, it is actually a quite overlooked factor. If you repay your bad credit loan in timely fashion, then yourÂ poor score will start to improve. You could say that it is a way to repair your score while at the same time benefiting fromÂ the funds. What Happens If I Can't Repay On Time?