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Faith that embraces Christ as the Saviour justifies in any of its degrees; and the justification which it secures is not graduated according to the degree of the faith which secures it. That which is requisite to justification is faith, not a certain definite degree of faith. It is unquestionable that this is the means by which the merits of Christ are embraced and appropriated. But frequently as the necessity of faith is declared and its justifying power is proclaimed, there is not a single passage which requires a certain stage in its development to be attained as a condition of its efficacy.

Matthias Loy — M. Loy, The Doctrine of Justification, 2nd ed., revised and enlarged (Columbus, O.: Lutheran Book Concern, 1882), "The Means of its Reception," p. 135

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Matthias Loy, M. Loy, The Doctrine of Justification, 2nd ed., revised and enlarged (Columbus, O.: Lutheran Book Concern, 1882), "The Means of its Reception," p. 135 (archive.org)
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Faith that embraces Christ as the Saviour justifies in… — Matthias Loy | Postmilstill