Forza Motorsport Guide – How to Earn Tons of Credits

In Forza Motorsport, Credits are your main currency for purchasing cars. The good news is that you don’t have to spend any on car parts since they’re acquired with Car Points earned through Practice and Events. However, there are still over 500 cars to purchase, and since there’s no Auction House, you have to buy them all at the base price.

There are some means to alleviate that spending crunch. As you start a Series, a new car is provided for free, so that means saving on Credits. A new Spotlight Car, discounted by 30 percent, is available weekly with new Featured and Open Tours and Featured Multiplayer Events. Otherwise, you earn Credits by racing, so let’s look at all the different ways to increase that total.

Increase Driver Level and Complete Series

Along with Credits and Car XP, you’ll earn Driver XP after each race. It goes towards your overall Driver Level, which provides Credits when leveling up. You should also complete a Series, ideally earning a Gold Trophy at the end, to receive Credits as a reward. Even if 15,000 Credits doesn’t seem like much, it all adds up over time.

Don’t Skip Practice

Practice is super-essential for garnering Car XP, especially since completing Key Racing Segments can net you some strong gains. However, achieving the objective of racing three laps in Practice also confers decent Credits. Finish the bonus objective (usually involves beating the specified lap time) and try to set new personal bests in the Key Racing Segments for even more gains.

Increase the Difficulty

Like previous games, Forza Motorsport allows adjusting difficulty settings to modify the amount of Credits earned. It’s slightly different since you don’t need to change your driving settings. There’s only Drivatar Difficulty and Ruleset Bonus, with Club Rules conferring a two percent bonus to Credits earned, Sport Rules providing six percent, and Expert Rules adding ten percent.

The safest way to do this is to set Drivatar Difficulty to whatever you can manage and enable Sport Rules since there’s no Simulated Damage, Penalties are Moderate, and Rewind is on. If you’re craving more of a challenge, then go for Expert Rules, though be aware that Rewind is disabled and full Penalties apply (which can decrease your overall Credit gain from a race). Play around with the settings that best suit you and target the highest bonus Credit modifier possible.

Risk vs Reward

When playing in an event race, you can select your starting position. Bonus Credits are awarded by achieving a specific place (or higher) when the race ends. The twist is that the amount of Credits earned increases the farther back you start. If you feel confident, begin a race in 24th place and attempt to reach the specified position (which could range from 3rd to 7th) by the end and rake in the Credits. Just ensure not to finish lower than third for every race in a Series since you still need the Series Points to win and unlock a Gold Trophy.

VIP Membership

Perhaps the easiest way to increase all Credits earned is by purchasing a VIP Membership, which doubles the base amount earned, regardless of difficulty. It’s not a bad proposition, though you would need to spend real money, as much as $99.99 for the Premium Edition and $39.99 for the Premium Add-Ons Bundle.

Forza Motorsport releases on October 10th for Xbox Series X/S and PC on October 10th, but Premium Edition owners can start playing now. Check out our review here.