The following is an excerpt from John Wesley's sermon entitled "On Faith" in which he describes saving faith. I do not think a more accurate representation of the Bible's message exists in all of man-made literature.
10. But what is the faith which is properly saving; which brings eternal salvation to all those that keep it to the end? It is such a divine conviction of God, and the things of God, as, even in its infant state, enables every one that possesses it to “fear God and work righteousness.” And whosoever, in every nation, believes thus far, the Apostle declares, is it accepted of him.” He actually is, at that very moment, in a state of acceptance. But he is at present only a servant of God, not properly a son. Meantime, let it be well observed, that “the wrath of God” no longer “abideth on him.”
11. Indeed, nearly fifty years ago, when the Preachers, commonly called Methodists, began to preach that grand scriptural doctrine, salvation by faith, they were not sufficiently apprised of the difference between a servant and a child of God. They did not clearly understand, that even one “who feareth God, and worketh righteousness, is accepted of him.” In consequence of this, they were apt to make sad the hearts of those whom God had not made sad. For they frequently asked those who feared God, “Do you know that your sins are forgiven?” And upon their answering, “No,” immediately replied, “Then you are a child of the devil.” No; that does not follow. It might have been said, (and it is all that can be said with propriety,) “Hitherto you are only a servant, you are not a child of God. You have already great reason to praise God that he has called you to his honorable service. Fear not. Continue crying unto him, ‘and you shall see greater things than these.’”
12. And, indeed, unless the servants of God halt by the way, they will receive the adoption of sons. They will receive the faith of the children of God, by his revealing his only begotten Son in their hearts. Thus, the faith of a child is, properly and directly, a divine conviction, whereby every child of God is enabled to testify, “The life that I now live, I live by faith in the Son of God, who loved me, and gave himself for me.” And whosoever hath this, the Spirit of God witnesseth with his spirit, that he is a child of God. So the Apostle writes to the Galatians: “Ye are the sons of God by faith. And because ye are sons, God hath sent forth the Spirit of his Son into your hearts, crying, Abba, Father;” that is, giving you a childlike confidence in him, together. With a kind affection toward him. This then it is, that (if St. Paul was taught of God, and wrote at, he was moved by the Holy Ghost) properly constitutes the difference between a servant of God, and a child of God. “He that believeth,” as a child of God, “hath the witness in himself.” This the servant hath not. Yet let no man discourage him; rather, lovingly exhort him to expect it every moment.
13. It is easy to observe, that all the sorts of faith which we can conceive are reducible to one or other of the preceding. But let us covet the best gifts, and follow the most excellent way. There is no reason why you should be satisfied with the faith of a Materialist, a Heathen, or a Deist, nor, indeed, with that of a servant. I do not know that God requires it at your hands. Indeed, if you have received this, you ought not to cast it away; you ought not in anywise to undervalue it; but to be truly thankful for it. Yet, in the meantime, beware how you rest here: Press on till you receive the Spirit of adoption: Rest not, till that Spirit clearly witnesses with your spirit, that you are a child of God." ~ John Wesley
The entire sermon may be found at the following link: http://wesley.nnu.edu/.../the.../sermon-106-on-faith/