God's Credit Given Only Through Belief

Romans 4:13–25 centers positional righteousness squarely on faith rather than law or works. The text reads Abraham’s life as a theological test case: God’s promise to make Abraham father of many nations precedes law, circumcision, and any human achievement, and Abraham’s belief—often described as “hope against hope”—earns divine credit. The narrative traces Abram’s call at seventy, the covenant ratified at eighty-six, the sign of circumcision at ninety-nine, and Isaac’s birth at one hundred, showing that righteousness appeared in Abraham before any covenant sign or human work. That chronology underscores Paul’s argument that grace and belief, not human merit, secure God’s approval.

The passage distinguishes love from approval: God’s love remains unearned and constant, while divine approval functions like an approval earned by faithfulness. God provides what is required for obedience—evidenced by the ram in the thicket—and never asks for what has not already been supplied or planned. Theologically, God alone calls things that do not exist into being; humans believe in that power but do not perform it. Faith, then, does not manufacture reality; it trusts the God who does.

Paul reframes hope as active trust rather than passive wishing. Abraham’s hope persisted despite biological impossibility; his struggle focused not on God’s ability but on the method God would use. Finally, the text moves from description to application: to receive “God’s credit” modern believers must submit an application of belief—trusting that the God who raised life from death also raised Jesus and thus justifies those who believe. The result of that credited righteousness is a standing before God like that of the Son: peace with God and justification that cannot be earned by works. Concluding pastoral appeals urge ongoing faith, noting that while love cannot be bought or increased by deeds, divine approval comes when belief aligns with God’s revealed power and promise.

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Key Takeaways

• 1. God's credit comes by belief Belief functions as the accounting entry that transfers divine righteousness to a person; it does not invent righteousness but accepts a gift. Crediting occurs when trust aligns with God’s promise and power rather than with human effort or ritual. This reframes spiritual striving: the task is to believe what God has done, not to produce the righteousness God provides. [38:32]
• 2. Approval is distinct from love Divine love remains fixed and unbought, but approval registers how trust and obedience shape relationship. Approval grows when belief demonstrates itself in acts of trust, yet the lack of approval never subtracts from God’s fundamental love. This distinction frees conscience from earning love while inviting responsibility for faithful response. [51:27]
• 3. Trust the God who creates reality Abraham believed a God who calls the non-existent into being; faith rests on divine creative action, not on human words or willpower. The believer’s role is to accept God’s prerogative to change situations, not to try reviving what God has not appointed for renewal. Such trust reorients hope away from human possibility toward God’s sovereign intervention. [57:38]
• 4. Submit an application of faith Receiving justification requires an act: a submitted trust in the God who raised Jesus from the dead. That submission is not a checklist of deeds but a decisive reliance that credits God’s righteousness to the believer’s account. Once credited, standing before God becomes secure in the same way a charge card bears the issuer’s backing. [63:10]

Youtube Chapters

• [00:00] - Welcome
• [26:42] - Youth ministry and showcasing growth
• [28:10] - Series conclusion and Romans 4 introduction
• [29:34] - Reading Romans 4:13–25
• [32:01] - Opening prayer and core question
• [33:23] - The problem with works righteousness
• [37:07] - Positional righteousness defined
• [39:02] - Abraham's call and covenant timeline
• [43:33] - Abraham's faith, circumcision, Isaac
• [46:20] - Jehovah Jireh and provision
• [49:32] - How God's credit operates
• [58:38] - Hope against hope explained
• [63:10] - Applying faith: submit your application
• [66:57] - Assurance in resurrection power
• [80:01] - Announcements and farewells

Bible reading: Romans 4:13–25 (ESV)
For the promise to Abraham and his offspring that he would be heir of the world did not come through the law but through the righteousness of faith. For if it is the adherents of the law who are to be the heirs, faith is null and the promise is void. For the law brings wrath, but where there is no law there is no transgression. That is why it depends on faith, in order that the promise may rest on grace and be guaranteed to all his offspring—not only to the adherent of the law but also to the one who shares the faith of Abraham, who is the father of us all, as it is written, “I have made you the father of many nations”—in the presence of the God in whom he believed, who gives life to the dead and calls into existence the things that do not exist. In hope he believed against hope, that he should become the father of many nations, as he had been told, “So shall your offspring be.” He did not weaken in faith when he considered his own body, which was as good as dead (since he was about a hundred years old), or when he considered the barrenness of Sarah’s womb. No unbelief made him waver concerning the promise of God, but he grew strong in his faith as he gave glory to God, fully convinced that God was able to do what he had promised. That is why his faith was “counted to him as righteousness.” But the words “it was counted to him” were not written for his sake alone, but for ours also. It will be counted to us who believe in him who raised from the dead Jesus our Lord, who was delivered up for our trespasses and raised for our justification.

Observation questions

1. According to verses 13-15, why can't the promise of being an heir of the world come through the law?
2. What two specific things about his own circumstances did Abraham consider, yet his faith did not weaken (v. 19-20)?
3. Who, besides Abraham, are the words "it was counted to him as righteousness" written for (v. 23-24)?
4. The sermon highlighted that God's approval can be gained, distinct from His unchanging love. [51:27] What illustration was used to explain this difference?

Interpretation questions

1. Verse 17 describes God as the one "who gives life to the dead and calls into existence the things that do not exist." How does understanding that God alone has this power change what our faith is actually trusting in?
2. The phrase "in hope he believed against hope" (v. 18) suggests a conflict between two kinds of hope. What is the difference between human hope and the hope Abraham had?
3. The sermon made the point that Abraham's struggle was never about if God could do it, but how God would do it. [01:01:11] Why is this distinction significant when we face our own impossible situations?
4. What does it mean that Jesus was "delivered up for our trespasses and raised for our justification" (v. 25)? How do both his death and resurrection work together for us?

Application questions

1. God's credit is given only through belief, not our effort. [38:32] In what area of your life are you most tempted to try and earn God's approval through your performance instead of simply trusting in what He has already done?
2. We often try to revive dead things—relationships, dreams, situations—that God has not called us to control. [58:38] What is one "dead" thing you need to stop trying to fix in your own strength and instead trust God to handle in His way and timing?
3. Submitting an application of belief means trusting that the God who raised Jesus from the dead is the same God we trust with our lives today. [01:05:34] What specific promise from God feels most impossible for you to believe right now? What would it look like to actively trust Him with it this week?
4. The distinction between God's unchanging love and His approvable is meant to free us from earning love while inviting responsibility for a faithful response. [51:27] How does this truth affect your motivation for obeying God? Does it feel more like a burden or a relief?
5. Abraham's faith was counted as righteousness before he had done any religious rituals or works. [44:26] How can knowing that your standing with God is completely secure in Christ free you to serve and obey Him without pressure or fear of failure?