Typed decision models choose among a fixed set of answer options in a single forward pass, so unlike generative language models they cannot spend more test-time compute on hard inputs by generating more tokens. Looping a block of layers offers this compute in latent space without adding parameters, but prior work found no gain from loops retrofitted into conventionally pretrained models. We show that such loops help when trained together with the decision model. Our method, RELOAD (retrofitted loops for adaptive decisions), fine-tunes a pretrained encoder or decoder with a damped loop over its middle block and a lightweight controller picks the number of passes adaptively for each input. Across six models from 0.4B to 4B parameters, looping improves both accuracy and calibration, mostly on problems that need longer chains of reasoning than any seen in training, where encoders gain up to 23 points. Neither matched training compute nor more data closes this gap, and separate layers for each pass come close only with nearly twice the parameters. The controller keeps most of the gain at about three quarters of the compute.

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