Free, conditioned on believing it -- if you get called and pulled in the first place, which isn't true for most. They just get preached the Gospel, so people can say "hah, now it's your fault for not believing it".

Image you owe someone else money. An anonymous stranger pays your debt. Why would you have to acknowledge that, for that someone else to receive said payment?

God in the form of Jesus paid your debts you have with God, but unless you believe that, God won't recognize that, will still kill you at best, torture you forever at worst, depending on who you ask. You can call that love or salvation, but I won't.