Forza Motorsport: How to make money fast

Aryan Singh
Cars racing in Forza Motorsport

Credits in Forza Motorsport are primarily used to purchase cars. This makes earning them essential to drive the best wheels in the game and buy vehicles to meet event qualification requirements. With this in mind, here’s how to make money fast in Forza Motorsport.



Forza Motorsport hits the circuit after a six-year absence since the release of its predecessor. Turn 10’s latest sim racer brings various new features and modes with the promise of more content coming in the future. At launch, players can hop into 500 vehicles and race around 20 tracks featuring the game’s dynamic weather system.

Acquiring cars in Forza Motorsport can be a bit of a grind. While the most expensive vehicle in the game costs just 450,000 credits, the devs have made credits harder to come by to balance it out. Fortunately, there are multiple ways to increase your earnings in the game.

Here’s how to make money fast in Forza Motorsport.

How to make money fast in Forza Motorsport

The best way to make money fast in Forza Motorsport is by making races more difficult. Just like in prior Forza games, players receive more credits for disabling assists and increasing difficulty. Besides this, there are other quick methods for earning more credits.

Here are all the ways to make money fast in Forza Motorsport:

Increasing difficulty settings

Difficulty settings in Forza Motorsport
Increasing difficulty in Forza Motorsport grants players a bonus on their earnings.

Upping the difficulty is a great way to make money fast in Forza Motorsport. Players can earn significant credit bonuses by amping up Drivatar difficulty. We recommend sticking to either 4 or 5 to make races challenging but winnable. Setting the Drivatar difficulty to 5 can net a credit bonus of +41%.

Tweaking the Ruleset bonus is a bit trickier since playing without Rewinds could take some adjustment. Earning +10% credits on Expert Rules is worth the trade-off if you’re looking to make money quickly. If you find yourself struggling in a particular race, you can dial down the difficulty settings without incurring a penalty.

Change your starting position

Changing your starting position in Forza Motorsport can net you extra credits by starting at the tail end of the grid. Various races in the Builder’s Cup allow you to manually select your starting place. The further back you start, the higher your credit bonus is.

This method can prove fruitful if you’re confident behind the wheel. Cars starting in the front of the pack will pull away with relative ease if you fail to keep up so it’s important to keep that in mind.

Buying the VIP Membership

The best way to make money fast in Forza Motorsport is by spending some real-life currency and buying the VIP Membership. Currently, the VIP Membership can only be obtained by purchasing the Premium Edition of the game. Players who already own the base game can acquire the membership by purchasing the Premium Add-ons bundle.

’18 Porsche 911 GT2 RS FE in Forza Motorsport
The ’18 Porsche 911 GT2 RS FE can be acquired through Forza Motorsport’s VIP Membership.

Besides some cosmetics and Forza edition cars, the membership grants players a Permanent x2 multiplier on all earned credits. Completing Builder’s Cup events with the multiplier active will quickly fill up your coffers.

That was how to make money fast in Forza Motorsport. For more on the game, check out our other guides:

Is Forza Motorsport always online? I Is Forza Motorsport coming to Xbox One? I Will Forza Motorsport have a VR Mode? I All Forza Motorsport achievements I Forza Motorsport PC requirements: Minimum & recommended specs I Will Forza Motorsport be on Steam Deck?

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About The Author

Aryan is a Games Writer at CharlieIntel who specializes in sports and racing games, including EA Sports FC, NBA 2K, and Forza. He's also a big fan of massive RPGs such as Starfield, Elden Ring, and Cyberpunk. Aryan has a Bachelor's degree in Journalism and previously wrote for sports websites Pride of London, Sportsmanor, LWOF, and Thick Accent. You can contact him at [email protected].