“However, to the one who does not work but trusts God who justifies the ungodly, their faith is credited as righteousness” Romans 4:5, NIVUK
Here is John Wesley on “Justifying faith”, from his sermon based on Romans 4:5 (Link, Part IV, Para 2, bold mine):
2. Faith in general is a divine, supernatural “elegchos,” “evidence” or “conviction,” “of things not seen,” not discoverable by our bodily senses, as being either past, future, or spiritual. Justifying faith implies, not only a divine evidence or conviction that “God was in Christ, reconciling the world unto himself;” but a sure trust and confidence that Christ died for “my” sins, that he loved “me,” and gave himself for “me.” And at what time soever a sinner thus believes, be it in early childhood, in the strength of his years, or when he is old and hoary-haired, God justifieth that ungodly one: God, for the sake of his Son, pardoneth and absolveth him, who had in him, till then, no good thing. Repentance, indeed, God had given him before; but that repentance was neither more nor less than a deep sense of the want of all good, and the presence of all evil. And whatever good he hath, or doeth, from that hour when he first believes in God through Christ, faith does not “find,” but “bring.” This is the fruit of faith. First the tree is good, and then the fruit is good also.
Wesley concludes the sermon with an invitation to repent and believe the gospel:
9. Thou ungodly one, who hearest or readest these words! thou vile, helpless, miserable sinner! I charge thee before God, the Judge of all, go straight unto him, with all thy ungodliness. Take heed thou destroy not thy own soul by pleading thy righteousness, more or less. Go as altogether ungodly, guilty, lost, destroyed, deserving and dropping into hell; and thou shalt then find favour in his sight, and know that he justifieth the ungodly. As such thou shalt be brought unto the “blood of sprinkling,” as an undone, helpless, damned sinner. Thus “look unto Jesus!” There is “the Lamb of God,” who “taketh away thy sins!” Plead thou no works, no righteousness of thine own! no humility, contrition, sincerity! In nowise. That were, in very deed, to deny the Lord that bought thee. No: Plead thou, singly, the blood of the covenant, the ransom paid for thy proud, stubborn, sinful soul. Who art thou, that now seest and feelest both thine inward and outward ungodliness? Thou art the man! I want thee for my Lord! I challenge “thee” for a child of God by faith! The Lord hath need of thee. Thou who feelest thou art just fit for hell, art just fit to advance his glory; the glory of his free grace, justifying the ungodly and him that worketh not. O come quickly! Believe in the Lord Jesus; and thou, even thou, art reconciled to God.