“The human side of our salvation from the penalty of sin respects our repentance and faith. Though these possess no merits whatever, and though they in no sense purchase our pardon, yet according to the order which God has appointed, they are (instrumentally) essential, for salvation does not become ours experimentally until they are exercised. Repentance is the hand releasing those filthy objects it had previously clung to so tenaciously; faith is extending an empty hand to God to receive His gift of grace. Repentance is a godly sorrow for sin; faith is receiving a sinner s Saviour. Repentance is a revulsion of the filth and pollution of sin; faith is a seeking of cleansing therefrom. Repentance is the sinner covering his mouth and crying, "Unclean, unclean!"; faith is the leper coming to Christ and saying, "Lord, if thou wilt, thou canst make me clean." - A.W. Pink

“A Fourfold Salvation, Chapter 2, Salvation from the Penalty of Sin” by A.W. Pink http://www.pbministries.org/books/pink/Four_Fold_Salvation/ffsalvation_02.htm

“We commenced our addresses in Australia by saying, ‘I am going to speak tonight on one of the most hated doctrines of the Bible, namely, that of God’s sovereign election.’ Since then we have encircled this globe, and come into more or less close contact with thousands of people belonging to many denominations, and thousands more of professing Christians attached to none, and today the only change we would make in that statement is, that while the truth of eternal punishment is the one most objectionable to non-professors, that of God’s sovereign election is the truth most loathed and reviled by the majority of those claiming to be believers. Let it be plainly announced that salvation originated not in the will of man, but in the will of God (see John 1:13; Rom. 9:16), that were it not so none would or could be saved—for as the result of the fall man has lost all desire and will unto that which is good (John 5:40; Rom. 3:11)—and that even the elect themselves have to be made willing (Ps. 110:3), and loud will be the cries of indignation raised against such teaching.” - A.W. Pink