Step 1: Farm Skill Points Fast
Skill Points (SP) are the foundation of any money farm. The easiest way for beginners to get them is on wide open airstrips or highways.
Setup:
- Pick a car that’s great for drifting or off-road skill chains. Forza Edition cars or treasure find vehicles with high multipliers work best.
- Aim for cars that can link skills easily, like drifting, near misses, or jumps.
Method:
- Drive back and forth on the airstrip, drifting, smashing objects, and chaining skills like “Sideswipe” or “Near Miss.”
- Focus on chaining skills until your score hits around 500,000 points. For example: 50,000 points x 10.0 multiplier = 500,000. Anything beyond 500,000 doesn’t give extra Skill Points.
- Cash in your chain, let it reset, and repeat.
Step 2: Buy the Best “Money Farm” Cars
Once you have a stack of Skill Points, it’s time to buy cheap cars with profitable Car Mastery trees. These cars unlock cash, Wheelspins, and XP efficiently.
Top Picks:
- Subaru Impreza 22B STI
- Price: 86,000 credits
- Buy via: Campaign > Collection Journal > Discover Japan > Car Collection
- Tip: Buying through the Collection Journal skips long cutscenes, saving time. Cars here show a “New” sticker so you can track them easily.
- Peel P50
- Price: ~21,000 credits
- Its mastery tree gives huge XP gains and cheap Wheelspins, making it perfect for early-game farming.
Step 3: Redeem for Cash and Super Wheelspins
Now that your cars are ready, it’s time to convert Skill Points into money.
- Enter one of your farm cars.
- Open the pause menu, go to Cars > Car Mastery.
- Follow the cheapest path on the perk grid to unlock Credits, Wheelspins, and Super Wheelspins.
- Spin the wheels and claim high cash rewards or rare cars.
- If you get duplicates, sell them immediately for half the value to boost your bank account fast.
Alternative Beginner Payouts
If you want some variety or passive income, these methods help you make money while taking a break from skill chaining:
- Easy Livery Sharing:
- Go to Designs & Paints and share simple paint jobs or solid colors.
- Earn 25 credits per download, 40 per use, and 500 per like. Trending designs bring continuous income.
- Discover Japan Rewards:
- Open the map and navigate to Pause Menu > Campaign > Collection Journal > Discover Japan.
- Unlocking regions and smashing hidden mascots gives big credit bundles.
- Turn Off Driving Assists:
- Disabling assists like traction control, stability control, and automatic shifting adds a percentage bonus to your credit earnings from Horizon Festival events.
Final Tip
Focus on efficiency. Farm Skill Points in high-multiplier chains, buy cheap farm cars, and redeem Car Mastery rewards strategically. With a few hours of focused effort, you can set yourself up with a massive credit boost that makes the rest of the game much easier.
