Forza Horizon 5 money: how to make credits fast

Forza Horizon 5 money, a supercar speeds through a sun drenched area. Palm trees are in the background, lining the road.
(Image credit: Microsoft)

Itching to get your hands on more Forza Horizon 5 money? Well, as luck would have it, we're here to provide. Money talks in this popular game, and you'll struggle to accumulate new cars or perform upgrades unless you’re packing some fat stacks.

Credits are the in-game currency of Forza Horizon 5, one of the best Xbox One games. These let you buy everything from cars and houses, tunes, and clothing. There's a mammoth collection of over 700 cars in the game, so you're going to need plenty of the green stuff to supply your addiction. 

Earning credits in this game doesn't come easy, but lucky for you, Horizon’s community have plenty of tips when it comes to in-game wealth creation. From earning skill points and using them to buy credits, to auctioning off your cars, this guide tells you everything you need to know to earn more of that coveted Forza Horizon 5 credit. Oh, and if you want to immerse yourself even further into this world of high-speed racing, consider pairing Forza with one of the best racing wheel controls!  

Forza Horizon 5 money making tips

Forza Horizon 5 money making tips: Don't buy cars

A green JEEP car in a jungle environment

(Image credit: Microsoft)

When it comes to Forza Horizon 5 credit, it may seem to run contrary to that previous statement about collecting cars to immediately suggest you don’t buy any at all, but hear us out.

At the start of the game you’re given three very capable vehicles, and then showered with them in the form of wheelspins and story events thereafter. Welcome Pack DLC owners get a swathe of really valuable motors including S2 class specimens nearly immediately. 

All of which means you don’t need to waste money in the early game buying mid-priced, mid-performance cars. That money’s better spent on a community-made tune that’ll transform any vehicle into a competitive example of its class. 

Forza Horizon 5 money making tips: buy credit with skill points

Forza Horizon 5 skill points page for the 2017 Alpine A110

(Image credit: Microsoft)

When it comes to Forza Horizon 5 credit, skill points are worth considering. Skill points are generated when you do something cool. Driving fast. Causing destruction. Drifting. Jumping. Exhaling. You get it, they’re easy to earn - particularly by heading offroad and chaining some jumps and destruction.

Once you’ve earned a bunch of them, navigate to the car mastery menu tile, found in the ‘cars’ menu tab, and spend them. Each car’s mastery layout is different, but all of them offer credits and wheelspins somewhere. In this way, you can convert a few minutes doing donuts in the jungle into cold, hard cheddar. 

Bear in mind that skill points earned can be spent on any iteration of the same vehicle, so if you earn a bunch of skill points for one vehicle, and then sell it or gift it, you get all those skill points back to invest in the same car if you buy it again. Forza Horizon 4 featured a vintage Porsche with a ridiculous cash payout in its skill points menu - we’re still hunting for the best payouts among the 700 cars in Forza Horizon 5, but the Willys Jeep is a popular choice right now. Pick one up for free at a barn and start pouring skill points into one. 

Forza Horizon 5 money making tips: Grind the Goliath

Forza Horizon 5 goliath

(Image credit: Microsoft)

The Goliath is a really long road race. Like, 34 miles long. In a well-tuned S2 car you can complete it in 10-11 minutes. In an X-category? All bets are off. 

The time and distance involved makes the Goliath a popular race for credit hunters. You can adjust the assists and AI difficulty level for a credit multiplier, but there’s a balancing act to it - don’t raise it so high that you cross the finish line well down the order and walk away with nothing but some XP.

XP is useful, of course. It unlocks wheelspins, and wheelspins mean money. But ideally you want to finish a Goliath race with revenue streams from both prize money and XP.

Forza Horizon 5 money making tips: Use the auction house

Forza Horizon 5 Spring Festival menu

(Image credit: Microsoft)

Every season, a couple of cars can be won by completing seasonal events. Some of them can be found on the Autoshow, but others are exclusives that can only be acquired this way. That means they’re really valuable on the used market - especially after the season changes and there’s no other way to get that vehicle. 

You can make a lot of money by earning these cars the hard way, ticking off seasonal events, then listing them at auction once the season changes. But there’s a chicken and egg conundrum to consider here - most people want loads of credits so they can buy cars. Particularly rare ones. Are you sure you want Forza Horizon 5 credit over that car you worked for?

Phil Iwaniuk

Ad creative by day, wandering mystic of 90s gaming folklore by moonlight, freelance contributor Phil started writing about games during the late Byzantine Empire era. Since then he’s picked up bylines for The Guardian, Rolling Stone, IGN, USA Today, Eurogamer, PC Gamer, VG247, Edge, Gazetta Dello Sport, Computerbild, Rock Paper Shotgun, Official PlayStation Magazine, Official Xbox Magaine, CVG, Games Master, TrustedReviews, Green Man Gaming, and a few others but he doesn’t want to bore you with too many. Won a GMA once.