Well, we do not love Jesus the way we should.
John 14:15“If you love Me, keep My commandments.
The equivalent statement to this is -- if you do not keep the commandments of Jesus, then you do not love Jesus. In logic this is called the contra-position and equivalent way of saying the first.
We know how to evaluate that. Honestly, am I keeping the commandments of Jesus? No. Then I do not really love Jesus. I might have some emotional affection for him, but I do not really love him the way I know I should. So by this way we are toast. We can not use love.
Here is what Apology of Augsburg IV, says...
112] And yet we must not think on that account [love]that by confidence in this
love or on account of this love we receive the remission of sins and
reconciliation, just as we do not receive the remission of sins because of other
works that follow. But the remission of sins is received by faith alone, and,
indeed, by faith properly so called, because the promise cannot be received
except by faith. 113] But faith, properly so called, is that which assents to
the promise [is when my heart, and the Holy Ghost in the heart, says: The
promise of God is true and certain]. Of 114] this faith Scripture speaks. And
because it receives the remission of sins, and reconciles us to God, by this
faith we are [like Abraham] accounted righteous for Christ's sake before we love
and do the works of the Law, although love necessarily follows
(I like my Tappert translation better than this, but this is the best available in the internet).