Skill chains are one of the most effective ways to rack up credits quickly in Forza Horizon 5. Every time you perform stunts like drifting, near misses, air time, or wreckage, you build up a skill chain. If you keep the streak alive and don’t crash, the points multiply. To make the most of this system, drive in areas with lots of objects to destroy—like fields, forests, or construction zones. Use cars with the “Skill Boost” perk to increase the point value even more. Maximize your skill chain and convert it into credits through skill points and wheelspins.
Unlock and Use Car Masteries
Each car in the game has a unique mastery tree, and many of them offer Forza Horizon 5 Credits or wheelspins as unlockable rewards. Prioritize vehicles that give you “Super Wheelspins” or direct credit bonuses. Buy cheap cars like the 1982 Porsche 911 Turbo or the Willys Jeep and farm their mastery perks. Once you unlock the bonus, sell the car and repeat. This method is often overlooked, but it’s one of the fastest ways to build up your bankroll without even racing.
Focus on Horizon Events and Championships
Horizon Festivals and seasonal events are goldmines for credits. Every week brings new championships, PR stunts, and challenges. Complete the seasonal playlist to earn exclusive cars, which can be sold for massive credits at the Auction House. These events also reward you with XP and wheelspins. Target the “Hard” and “Highly Skilled” difficulty levels for better rewards without too much grind. These events change weekly, so stay on top of them and grab the rewards while they’re hot.
Maximize Wheelspins and Super Wheelspins
Wheelspins are a reliable way to win cars, credits, and cosmetics. Super Wheelspins give you three rewards at once. To earn them fast, focus on leveling up, completing car masteries, and progressing through the festival playlists. Use your skill points wisely to unlock Super Wheelspins in car masteries. Don’t waste spins—if you win a duplicate car or a vehicle you don’t want, sell it instantly to turn it into profit.
Sell High-Value Cars at the Auction House
The Auction House can be a goldmine if you know what you’re doing. Rare cars from events or Super Wheelspins often go for high prices. Look up cars that are trending in popularity and list yours just below market value for a quick sale. Avoid flooding the market with common vehicles. Focus on flipping rare and high-performance cars. If you win a car you don’t need from a Wheelspin, check its market value first before deleting or gifting it.
Take Advantage of XP Boards and Fast Travel Boards
Scattered across the map are XP boards and fast travel boards. Smashing these not only boosts your level (and therefore your wheelspins) but also reduces the cost of fast travel. When fast travel becomes free, you can zip around the map to events and boards instantly, saving hours of driving time. This efficiency helps you farm events and XP faster, and more XP means more wheelspins—which means more credits.
Run the Goliath and Other Long Races
The Goliath is the ultimate XP and credit farming race. It’s long, but it pays off big. Set up a custom blueprint with just one lap, and use your best S2 or X class car. Turn on difficulty settings like “Unbeatable” AI, manual transmission, and no assists to increase your credit bonuses. Pair this with a car that has XP or Credit Boost, and you’ll earn hundreds of thousands per run. For even more efficiency, rubber band your controller and set your car on auto-drive for AFK farming.
Grind the Horizon Open
Horizon Open multiplayer races offer solid payouts and are great for stacking up credits if you’re consistent. Even if you don’t win every race, participation rewards add up over time. Plus, it’s a good place to get better at competitive driving while still earning. Prioritize race types you’re good at—street, dirt, cross-country—to stay efficient. Playing with friends also increases rewards and adds multipliers for team performance.
Tune and Upgrade Cars for Better Payouts
Driving a well-tuned car can be the difference between first place and dead last. Better results mean better payouts. Learn to tune cars for different surfaces—tarmac, dirt, off-road—and make sure you’re using the best car for each race type. Use the community tuning options if you’re not confident in your own builds. Look for setups with high ratings for stability and speed. A solid tune can multiply your credit rewards by winning more races consistently.
Use Difficulty Settings to Boost Earnings
The game rewards players who take on higher challenges. Increasing difficulty settings—like tougher AI, manual shifting, no driving lines, or no traction control—adds bonus percentages to your credit payouts. Find a difficulty balance that challenges you but doesn’t frustrate you. Even going from “Average” to “Highly Skilled” AI can add a 30-50% credit boost without making races impossible. Stack small changes together for a big impact on your earnings.
Farm Danger Signs, Drift Zones, and Speed Traps
PR stunts like Danger Signs, Drift Zones, and Speed Traps offer credits and accolades. Focus on high-scoring performances and beat your personal or friends’ records to earn bonuses. These activities can be repeated as often as you like, so they’re a great way to grind credits when you’re short on time. Use cars specifically built for stunts to dominate these zones—drift cars for Drift Zones, supercars for Speed Traps, and rally monsters for Danger Signs.
Join a Convoy and Play in Co-op
Playing in a convoy with friends or randoms boosts your credit earnings through team-based bonuses and shared objectives. Co-op challenges during festival events are faster and more efficient when everyone works together. The social aspect also keeps the grind from getting boring. If you join a convoy doing XP board hunts, race grinds, or stunt runs, your earnings stack up quickly over just a couple of hours.
Complete the Stories and Expeditions
Story missions and expeditions aren’t just for fun—they pay out in credits, XP, and unlock new features. They’re also a great way to explore the map and get rewarded while doing it. Complete all chapters in a story to get bonus rewards. Some stories also unlock cars or Super Wheelspins once you get 3 stars in every chapter. Don’t skip these—they’re one-time investments that offer solid long-term returns.
Flip Barn Finds and Legendary Cars
Once you unlock barn finds, you can restore the classic cars inside. Some of them are extremely rare and fetch high prices in the Auction House. Even if you choose to keep them, many come with valuable car mastery perks. Also, keep an eye out for Legendary cars from festival rewards. These can often be flipped for millions of credits if timed right. The rarer the car, the higher the profit margin.
Keep an Eye on Accolades and Achievements
The accolade system constantly throws Forza Horizon 5 Credits, cars, and spins your way as you play. Check your accolades often and focus on completing categories with high payouts. Each chapter or category milestone typically comes with a cash reward. These stack quickly over time, especially when you’re completing multiple objectives with a single race or stunt. Stay deliberate and focused, and the game will reward you generously.
Conclusion
Earning credits fast in Forza Horizon 5 isn’t about a single trick—it’s about stacking every small advantage until the payouts snowball. From skill chains to tuning your cars and farming wheelspins, there are dozens of ways to boost your earnings without spending hours on slow grinds. Stay consistent, take advantage of every system in the game, and you’ll be swimming in credits before you know it. Don’t just race—optimize how you play. That’s the key to building a fortune in Horizon Mexico.