17 Effective Methods for Earning Credits in Forza Horizon 4

Playground Games’ Forza Horizon 4 is one of the most refined and expansive racers out there, with its awesome cars, gorgeous open worlds, and loads of nearly endless content.

Though fans have been drawn to its dense gameplay, solid mechanics, and wealth of options, actually earning ample wealth can be a painstaking process at times. This becomes especially apparent when coming upon the huge plethora of pricey cars, houses, and accessories to buy in-game.

This list will cover the various means of earning credits and break down the speediest, most efficient ways to gain digital riches so players can buy that lavish mansion or sleek Ferrari.

Updated September 28, 2024 by Stephen LaGioia: With such a vast scope of countless cars to buy and customize, Forza Horizon 4 truly beckons the player to earn as many credits as possible. With DLC packs and add-ons like Fortune Island, along with rotating seasonal rewards, one can never have too much cash to spend on sleek new cars and other goodies. As such, it seemed fitting to update this list with additional means of quickly, resourcefully earning credits in this expansive open-world racer.

17 Stress Longer Races

Especially Long Straightaways And Highways

Knocking out almost any event in FH4 tends to be worth the three to five minutes each activity takes. However, it’s a good idea to hone in on those truly long racing marathons. They’ll not only produce more rewards, but they also set the stage for more skill points through extended combos.

Of course, epics like The Colossus are great to play on repeat, though lengthy Street and Cross-Country races, in general, can yield many goodies. Aim also for races that allow for high speeds down long, extensive roadways such as highways. These are not only exhilarating, but players are rewarded for zipping across vast roads and spending more time in first place.

16 Focus On Festival Playlists

Offering Prizes That Keep Coming

One neat aspect of FH4 is the constant trickle (as of this writing) of new gameplay and challenges through seasonal content. One of the best ways to stay “driven” and aim for new, often-tough goals is the rotating Festival Playlists themed and coupled with each changing season. Here, a few new races and events are offered, as well as a handful of challenges, such as notching a few clean racing skills.

Completing even 50% of these milestones yields Forzathon Points, which can then be spent at the exclusive Forzathon Shop. Meanwhile, an 80% or full completion produces even more of these coveted points. This shop usually offers a couple of great cars to pick up, cosmetics, and a Super Wheelspin for typically small amounts of Points.

15 Delve Into The DLC

Further Building One’s Fortune Brick By Brick

By way of purchasing the Deluxe or Ultimate versions of FH4 (this content can no longer be bought separately), players can not only have access to a wealth of fun new content, but also reap the many rewards that come with it. Both the treacherous Fortune Island and colorful LEGO Speed Champions add new thematic twists — as well as over 20 more hours of gameplay collectively.

But they’re also great for collectors and completionists, as they bring additional cars, event types, and even all-new campaigns. These essentially provide an all-new sandbox to play in; one with many added treasures and opportunities.

14 Buy Huntsman’s Lodge

Skills And Spins Galore

Purchasing the various properties scattered about England can yield plenty of rewards, as they can serve as handy fast-travel hubs and perks such as doubling one’s Forzathon Points and granting Super Wheelspins. However, those looking for some particularly nice instant returns should prioritize buying the Huntsman’s Lodge. This property can be secured for 750,000 credits and resides just to the west of the Lakehurst Forest title on the map.

This is a useful investment as doing so will instantly notch three Super Wheelspins. Moreover, though, it will also unlock the always enjoyable Skill Songs. These will initiate at times when listening to the radio, as the DJ will begin rocking a song that nets twice the skill points while it’s playing. More skill points mean more leveling up, and thus more credits.

13 Join A Club

More Activities, More Incentives, And More Goodies

While FH4 can be thoroughly enjoyed solo, it’s also a very community-driven game. Players can enjoy the benefits of taking part in thrilling events online, and this can be further taken advantage of by joining a club. Jumping into one of the game’s many clubs is as simple as flipping to the “club” tab in the menu and searching for the name of a club.

Being in a club can be a fun and useful way to communicate, meet for online events, and stay abreast of FH4 happenings. More significantly though, completing online events with the club will sometimes grant extra credits and influence.

12 Turn Off Stability Control

A Subtle Move For Added Credits

The number of credits earned is partly based on the difficulty settings, which will be touched on later. Players apprehensive about cranking the difficulty way up, however, can still make some minor adjustments to earn bonus credits when completing an event.

One great way to achieve this, which tends to be overlooked, is simply dialing back the steering assist and stability control. The latter is especially helpful, as the differences are pretty marginal — especially given that flubs during a race can be avoided by rewinding time anyway.

11 Redeem Rewards On The Forza Hub App

A Nifty Way To Score Credits With No In-Game Action Needed

Like many notable online games, Playground Games rewards players in various ways for coming back and playing regularly.

One way to take advantage of this is by downloading the Forza Hub App in the Microsoft Store. Simply logging into the app through one’s Xbox Live account will often yield bundles of credits that are applied immediately to FH4 and other Forza games.

10 Go For Ample Wheelspins

In-Game Gambling With Nothing To Lose

Wheelspins have always been a major goal to strive for when it comes to the Forza Horizon series. Yet, this is particularly the case in the most recent rendition, as there are tons of ways to obtain them, and a slew of awesome prizes to earn, including cold hard digital cash.

What’s even more significant is the introduction of the epic Super Wheelspin, which enables players to land a trio of goodies all at once. This not only increases the odds of landing rare cars and flair, but also larger increments of credits that can reside in the hundreds of thousands.

9 Sell Cars In Auctions

Get In The Lucrative Business Of Car Selling

With a game as massive as FH4, there’s no shortage of cars to obtain, whether it be through Wheelspins, barn finds, DLC content, or buying them at the garage. One way to rake in some extra dough is to gather a collection of cars – ideally more specialized, sleeker, and/or rare varieties – and pawn them at the Auction House.

Be sure to use vehicles that reside in the 200k-300k region in terms of credit value. Compare the values in the garage so one knows what they’re selling at a fair, appealing price. Then it’s a matter of playing the waiting game and hoping players will bite.

8 Purchase Fairlawn Manor

A Super Wheelspin Bounty

Buying houses in this game can prove handy in terms of convenience, as they’ll act as central hubs where players can fast travel among the vast landscapes that comprise Great Britain. Yet, there’s one estate to strive for in particular, called Fairlawn Manor. This can be found some way south of the dense city area at the northeastern part of the map, and just north of Moorhead.

Now, this is no small investment at 2,000,000 credits, though it pays off. Not only will players be able to fast-travel to any estate when buying it, but they’ll be gifted a whopping 10 Super Wheelspins, all but ensuring this will pay for itself many times over.

7 Story Missions And Championships

Campaigns For Credits

It can be easy to wander off and become distracted by simply driving around and taking in the gorgeous scenery in FH4. Still, it’s a good idea to stay focused if credits are the main goal. One of the best ways to score more of them quickly is to participate in the various championships and story missions scattered about.

Completing these (even with bronze medals) will feed into the Horizon Life experience points, granting credits off the bat as well as eventual Wheelspins.

As a side note, the World’s Fastest Rentals missions can also be purchased as a business, which will net a consistent stream of earnings for the player.

6 Participate In Forzathon Events/Live

A Fun, Collaborative Way To Earn Credits

One of the neatest aspects of FH4 is the constant stream of rotating challenges and Forzathon Live events. Take a gander at the daily and weekly challenges, in addition to the seasonal bonuses which are organized in the Forzathon menu. Notching these tasks will net points that can quickly be converted into more Wheelspins and additional flair at the Forzathon shop.

These points can also be obtained by the appealing Forzathon Live — which are brief co-op romps that occur every hour on the hour. These are typically easy to tackle, as players will usually work with a handful of other drivers to knock out three collaborative challenges. This is a rather simple way to obtain Forzathon Points without having to deal with the long checklist of Festival Playlists.

5 Skills And More Skills

Run Wild And Rack Up Credits

It’s a good idea to take advantage of FH4‘s elaborate system of rewarding flashy and skilled racing. Simply driving around, even without engaging in activities, can yield ample points, which can be strung together to multiply bonuses. Actions like swift speeds, jumps, near-misses, and passes will potentially bring thousands of points in a short period.

Players will want to avoid crashing to get that multiplier going, and they can further milk this by getting perks that raise these rewards or extend the multipliers. Getting many bouts of skilled driving will fast-track players to leveling up, and thus notching more Wheelspins.

Vast, hilly regions such as the Slate Quarry are good options to run wild in (ideally in solid off-roading cars) and string together massive combos.

4 Gain Several Car Mastery Perks

Cashing In On Cars

It’s a good idea to take advantage of FH4‘s unique car-specific perk mastery system. Each car will come with its own bonuses attached to that vehicle, many of which come in the form of instant rewards. These include Wheelspins, better skill multipliers, instant credits, and even Super Wheelspins.

Players will need to spend skill points to get the perks, which are earned through the aforementioned skills performed while driving. Basically — try and play around with as many cars as possible, without spending a fortune to do so, of course.

3 Focus On Leveling Up With My Horizon Life

Go Different Routes To Reach Credit Goals

Horizon Life is FH4‘s more fleshed-out implementation of an XP system, and it’s impressively vast. Again, it’s a good idea to take advantage of this. The game rewards players for executing tasks, actions, and events in as many ways as possible. One way to streamline this and focus on more prudent tasks is to examine the “My Horizon Life” screen, which will display a slew of individual, color-coded objectives.

That’s right, these each have their own xp bar, so players should try and tackle a range of options. These range from online events to speed traps to painting cars. Highlighting them will show a player’s current level in each, as well as their reward for reaching the next level, allowing them to focus on the more lucrative choices.

2 Play On Higher Difficulties

The Greater The Risk, The Greater The Reward

It’s been established that taking part in events – both online and solo – enables players to level up, and thus gain credits more quickly. To compound this, it’s a good idea to attempt to bump up the difficulty, assuming one is confident enough in doing well.

The game’s intricate system of AI “Drivatars” comes with eight levels of skill, and each increase offers greater bonuses. Cranking this up to the max can land as much as a 40% bonus in winnable credits.

Players can also tinker with various other settings to fine-tune the difficulty to a more manageable level whilst still gaining some extras. The rewind feature can even be switched off to notch an extra 15% bonus.

1 Invest In The VIP Pass

Cash-In Instantly

Players can bypass some of the more nuanced strategies and enhance one’s overall earnings by simply buying the VIP package. This will instantaneously bring double the credit rewards for each completed event. This is really only advised for the truly dedicated players who keep coming back, as it’ll cost $20 to implement.

Still, between the extra credits, weekly bonus Super Wheelspins, and exclusive cars, it may be worth considering for those looking for a life of driver luxury in FH4‘s virtual world.

It also comes included in the FH4 Ultimate Edition, which also grants access to upcoming game expansions.