Inevitably, we have to cover the other text on which Walter Scott built his Plan of Salvation, Rom 10:9-10 —
(Rom 10:9-10 ESV) 9 because, if you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. 10 For with the heart one believes and is justified, and with the mouth one confesses and is saved.
Notice that our confession — the faith that we announce — is that “Jesus is Lord” but also that “God raised him from the dead.” We must believe that Jesus was resurrected by God.
V. 10 says we believe “with the heart.” “Believe” is the verb form of pistis, and can mean trust or be faithful. Paul doesn’t make this a purely intellectual exercise. Our faith involves the emotions as well.
Now, it’s hard to see confession and belief as two entirely distinct things. After all, the line between justification and being saved is hardly clear; just so, confession is normally included within “faith.” After all, if you won’t tell me you have faith, I can’t know to treat you as a brother or to receive you in baptism. In fact, if your faith is so weak that you won’t confess it, you may not have real faith at all.
(Rom 10:11 ESV) 11 For the Scripture says, “Everyone who believes in him will not be put to shame.”
This is a quotation from Isa 28:16 (LXX). “Him” refers to the Lord (YHWH in the Hebrew). Paul is again declaring that faith in YHWH in the OT is now faith in Jesus.
(Rom 10:14 ESV) How then will they call on him in whom they have not believed? And how are they to believe in him of whom they have never heard? And how are they to hear without someone preaching?
Now we get to the source of the familiar “hear, believe …” in the Five Step Plan of Salvation. Of course, “hear” is no more a separate requirement than “preach.” Paul’s real point is that the gospel must be preached for the lost to become saved — as they cannot believe what they have not heard. (Obviously, contradicting many “available light” theories.)
And so, in Rom 10, Paul is arguing for the necessity of preaching the gospel to Jews. Although they believed in God, they did not believe in Jesus. Therefore, they needed to hear, believe, confess, and so be saved and justified. Plainly, there were not yet saved or justified.