A pension loan that is obtained from an online payday lender will not typically affect your credit score. These short term loans aren’t reported to the credit bureaus, and don’t appear in your regular credit reports, unless you fail to repay it on time or completely.
Failing to repay can result in your account being sent to a collections agent, which typically will get reported to the credit bureaus and will negatively impact your credit score. If you meet your repayment obligations as per your loan agreement your credit score won’t be affected.