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The sinners prayer is a common Christian term for a prayer that is said when someone wants to repent of their sin, ask God for forgiveness, and verbally state their belief in the life, death, and saving resurrection of Jesus Christ.
"For, if with your lips you acknowledge the truth of the message that JESUS IS LORD, and believe in your heart that God raised him from the dead, you will be saved. For with their hearts people believe and so attain to righteousness, while with their lips they make their Profession of faith and so find salvation." Romans 10:9-10
Christ's death on the cross paid in full the debt of our sin. Action must be taken to take hold of the gift.