“Faith is nothing but the instrument of our salvation. Nowhere in Scripture will you find that we are justified because of our faith; nowhere in Scripture will you find that we are justified on account of our faith. The Scripture says that we are justified by faith or through faith. Faith is nothing but the instrument or the channel by which this righteousness of God in Christ becomes ours. It is not faith that saves us. What saves us is the Lord Jesus Christ and His perfect work. It is the death of Christ upon Calvary’s Cross that saves us. It is His perfect life that saves us. It is His appealing on our behalf in the presence of God that saves us. It is God putting Christ’s righteousness to our account that saves us. That is the righteousness that saves; faith is but the channel and the instrument by which His righteousness becomes mine. The righteousness is entirely Christ’s. My faith is not my righteousness and I must never think of faith as righteousness. Faith is nothing but that which links us to the Lord Jesus Christ and His righteousness.” – D. Martyn Lloyd-Jones

“The saving power of faith resides not in itself, but in the Almighty Savior on whom it rests. It is not faith that saves, but faith in Jesus Christ. It is not strictly speaking, even faith in Christ that saves, but Christ that saves through faith.” – B. B. Warfield