This morning on WayFM, Wally said God forgives you the moment you ask.

There is no direct verse that says this, so what does the Bible say concerning sin:

1 John 1:9 KJV
If we confess our sins, he is faithful and just to forgive us our sins, and to cleanse us from all unrighteousness.

You can certainly ask God for forgiveness, but can you truly confess to God, who already knows everything? I think confession is to another person, whether priest, spouse, friend, or acquaintance. In addiction programs they call this an accountability partner. If you’re embarrassed to confess your sins to another, maybe that embarrassment will keep you from being a habitual sinner. It may even save your soul.

The Bible also says charity covers a multitude of sins. In 1 Peter 4:8 KJV,
And above all things have fervent charity among yourselves: for charity shall cover the multitude of sins.

My own personal definition of charity is love in action.

The Bible also says in James 5:20 KJV.
Let him know, that he which converteth the sinner from the error of his way shall save a soul from death, and shall hide a multitude of sins.

This is high incentive to preach the Gospel and tell others about Christ the Messiah, who died on the cross for our sins.

Why does all this matter?  Hebrews 10:26 KJV says, For if we sin wilfully after that we have received the knowledge of the truth, there remaineth no more sacrifice for sins… .

If we want forgiveness we need to apply all these things in our lives and strive against continuing in sin.

See Proverbs 28:13 KJV.
He that covereth his sins shall not prosper: but whoso confesseth and forsaketh them shall have mercy.