Being a loving person is absolutely essential to being saved, because the faith which saves by its very essence works through love. Therefore, it is tremendously important that we see how saving faith produces love. We need a definition of love first of all. Faith works in two ways. It produces love by what it takes away from the heart and by what it gives to the heart.
Faith takes away from the heart guilt and fear and greed.
Therefore, faith banishes fear. So faith pushes guilt and fear and greed out of the heart. Or we play the hypocrite to cover our guilt and so destroy all sincerity in relationships. Or we talk about other people's faults to minimize the guilt of our own. And so guilt destroys love.