Why?
I'm genuinely curious why you think that it's worse in functional languages than, eg Python or C.
It's not like you don't specify all of those variables when using a loop in C -- you just have a special syntax to. I was outlining the actual recursion mechanism, not showing what you'd have to code....
You can make it look basically the same, with a signature like...
loop (idx test update) fn acc
...which in practice will look like...
loop (0 (\ x -> x < 5) (+1)) fn 0
The only annoyance is the slightly verbose lambda syntax for the test, but if you're using a function as a test, it becomes a smaller issue.