To victrolatim’s question, the Apostle Paul writes in Romans 10:9-17:
. . .** 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.** 11 For the Scripture says, “Everyone who believes in him will not be put to shame.” 12 For there is no distinction between Jew and Greek; for the same Lord is Lord of all, bestowing his riches on all who call on him. 13 For “everyone who calls on the name of the Lord will be saved.”
14 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? 15 And how are they to preach unless they are sent? As it is written, “How beautiful are the feet of those who preach the good news!” 16 But they have not all obeyed the gospel. For Isaiah says, “Lord, who has believed what he has heard from us?” 17 So faith comes from hearing, and hearing through the word of Christ.
“Accepting Jesus as my personal Lord and Savior” to an evangelical Protestant refers to a definite moment in time in which that person came to faith in Christ. Faith is in itself a gift of God, given to man by the Holy Spirit and the hearing of the word (i.e. the preaching of the Good News).
Faith leads us to believe in our hearts that Jesus is God and Lord and that in Him we have forgiveness of sins. Belief is not the same as knowing. You can know that Jesus is God, yet refuse to serve Him and live for Him as the Lord of your life. Believing with all of our hearts that Christ is Lord and Savior means that our hearts literally become His throne. He takes residence in us, living inside of us so that our bodies become His temple. Because He is our Lord, we obey Him–repenting of our sin and loving others as Christ would love them.
By faith, we are justified and regenerated. The moment we place our faith in Christ, we become new creations. As Paul writes in 2 Corinthians 5:17, “Therefore, if anyone is in Christ, he is a new creation.The old has passed away; behold, the new has come.” This is the promise of the New Covenant as anticipated by Ezekiel 36:26–27:
26 And I will give you a new heart, and a new spirit I will put within you. And I will remove the heart of stone from your flesh and give you a heart of flesh. 27 And I will put my Spirit within you, and cause you to walk in my statutes and be careful to obey my rules.
The word “personal” is added to emphasize that believing in Christ is not something you do once. It is something you continue to do for the rest of your life. If you believe in Christ you will obey Christ and love what He loves and hates what He hates and grieve over what He grieves over and rejoice in what He rejoices in. As you walk with Christ, you come to know Him ever deeper and you draw closer to His ways.
Baptism symbolizes this new birth and regeneration, and many evangelicals would say that as an act of faith and obedience to Christ baptism strengthens one’s relationship with Christ. However, baptism is not what makes one a Christian. Faith in Christ, believing in Christ, and confessing Christ publicly is what makes someone a Christian.
Baptism should be performed soon after one gives His life to Christ, but even if the person is not able to be baptized, if he truly has faith he is already a member of Christ’s church.
Some churches will baptize anyone who makes a profession of faith as soon as its possible to do so. Some churches want professed Christians to first take a class for new believers before they are baptized. It depends on the specific church.