Playground Games’Forza Horizon 4is one of the most refined and expansive racers out there, with its countless awesome cars, gorgeousopen worlds, and nearly endless content.Though fans have been drawn to its dense gameplay, solid mechanics, and wealth of options,earninggreat wealth can sometimes be a painstaking process. This is especially apparent when coming upon the plethora of pricey cars, houses, and accessories to buy in-game.
This list will cover the various means of earning credits — and luckily there’s no shortage of them. It’ll break down the quickest, most efficient ways to gain these digital riches, so players can buy that lavish mansion or sleek Ferrari.
Updated August 02, 2025 by Stephen LaGioia:With such a vast scope of countlesscars 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 the atmospheric Fortune Island and rotating seasonal rewards, one can never have too much cash to spend on sleek new cars and other goodies. The game has ironically seen a resurgence as fans and would-be buyers caught wind that FH4was being delisted from digital storesand even Game Pass in December 2024. With this in mind, and such a wealth of things to do in this vast racer, it seemed fitting to refine and update this list with an additional means of scoring credits and other goodies quickly and effectively.
18Revisit Showcases
Keep Returning For New Showcase Remixes
AmongForza Horizon 4’s most thrilling, cinematic ventures are the handful of Showcases scattered around England. From zipping down the vast beachesin aHalo-themed Warthog, to rushing to beat a roaring train in a furious race to the finish, these Showcases make for truly fun, flashy bouts.
The best part is, that not only are they fairly simple — despite their deceptively intense feel — but they also yield great rewards, including flashy cars and Super Wheelspins. It makes sense, as they’re pretty rare — yet Playground Gamesdoesbring them back somewhat regularly.
Players simply need to keep watch and continue returning to the game for multiple shots at these events. At least a few of them often return with the coming of a new Festival Playlist. Thus, players can score a few bountiful Super Wheelspins every season just by playing these Showcase Events, which only take a few minutes each.
17Stress Longer Races
Especially Long Straightaways And Highways
Knocking out almost any event inFH4tends to be worth the three to five minutes each activity takes. However, it’s a good idea to hone in on thosetruly 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 likeThe Colossusare 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.
16Focus On Festival Playlists
Offering Prizes That Keep Coming
One neat aspect ofFH4is 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 even50%of these milestones yields Forzathon Points, which can then be spent at the exclusive Forzathon Shop. Meanwhile, an80% or full completionproduces 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.
15Delve Into The DLC
Further Building One’s Fortune Brick By Brick
By way of purchasing theDeluxeorUltimateversions ofFH4(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.
14Buy 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 for750,000 creditsand resides just to thewest 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.
13Join A Club
More Activities, More Incentives, And More Goodies
WhileFH4can 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 ofFH4happenings. More significantly though, completing online events with the club will sometimes grant extra credits and influence.
12Turn 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 thesteering 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.
11Redeem Rewards On The Forza Hub App
A Nifty Way To Score Credits With No In-Game Action Needed
Like manynotable 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 theForza Hub Appin theMicrosoft Store. Simply logging into the appthrough one’s Xbox Live accountwill often yield bundles of credits that are applied immediately toFH4and otherForzagames.
10Go For Ample Wheelspins
In-Game Gambling With Nothing To Lose
Wheelspins have always been a major goal to strive for when it comes to theForza Horizonseries. 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 evenmoresignificant is the introduction of the epicSuperWheelspin, 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 thehundreds of thousands.
9Sell Cars In Auctions
Get In The Lucrative Business Of Car Selling
With a game as massive asFH4, 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.
It should also be noted — players that focus on collecting cars via theBackstage Pass and Festival Playlistrewards will usually be able to earn more money with Auctions. That’s because the cars offered through these more exclusive sources tend to be rarer, more capable, and higher in value.
