
The only thing that can possibly affect your score in that sense is if you ONLY have a loan, no revolving credit, and you pay it off - now you have no credit utilization at all, which potentially could ding you a bit, but not much. That’s also not very common - most people have several credit cards and few loans, if any.
Ah, that would happen to be my exact experience, oddly enough. I don’t have any credit cards and payed off my car loan early because the bank was playing games with automatic payments.
Considered a public service, ideally.