Even if you have sinned, are not sinners saved? Repentance is enough to transmute sin into sanctity. The Lord graciously accepts contrition and pours His Blessings. (GV, p. 96)
However much we may repent towards the end of our life, it is very difficult for us to realise that such repentance comes to us in a manner in which it cannot atone for our sins. After indulging in sins and doing bad thing all through one’s life, even if one repents towards the very end, that repentance is not of much value. It is not correct to keep on repenting and, thinking that repentance will redeem us from all our sins. Alas, repentance always comes much after the event and too late to do any good to any one. (SSB 1977, p. 119)