Either there are no loopholes (ways to get by without belief, repentance and acceptance),
Or one (way to avoid hell: believe, repent, and accept).
Depending on how you count: are you counting ways to avoid God and His righteous judgment, or ways to gain His favor?
OK. I wouldn’t call “belief, repentance, and acceptance” a “loophole”, exactly … that’s the stated standard “way”. I see your point, though.