How to Plan Your First 5 Million Credits in Forza Horizon 6

Forza Horizon 6 offers a vast open world, exciting races, and an incredible selection of cars to choose from. However, like many other open-world racing games, credits are essential for progressing. Whether you want to buy cars, upgrade your vehicles, or unlock other in-game content, managing your credits efficiently is key to your success.

In this guide, we’ll break down how to plan your first 5 million credits in Forza Horizon 6 and get the most out of your in-game currency.

Why Credits Matter in Forza Horizon 6

Credits (CR) are the primary in-game currency used for purchasing cars, car upgrades, customizations, and other content within Forza Horizon 6. The first few million credits you earn will help you build a solid foundation for your car collection and help you progress faster in the game. Planning ahead on how to use these credits wisely will help you avoid running out and feeling stuck later on.

How to Earn Credits Fast in Forza Horizon 6

Before we dive into how to spend your first 5 million credits, let’s take a quick look at how to earn them efficiently. These methods are practical and commonly used by players at different stages of the game.

1. Complete Races and Events

Races are your main source of income in Forza Horizon 6. Completing races, especially those with higher difficulty settings or races that feature multiple stages, can provide you with significant payouts. Look for the events that offer bonus credits and extra rewards for finishing in the top positions.

If you want to maximize your credit income from races, try to participate in events where you can consistently place first. Winning is key to earning large rewards. If you need to level up quickly, focus on races that reward you with skill points and bonus multipliers.

2. Horizon Life and Seasonal Challenges

Horizon Life is the core progression system in Forza Horizon 6, and it offers a variety of challenges. As you advance through the game, seasonal challenges and objectives will reward you with credits and car prizes. Make sure to check the seasonal events as they often come with bonus rewards.

Completing these challenges is an efficient way to earn credits because they typically require you to participate in multiple activities, meaning you’re earning credits while enjoying different parts of the game.

3. PR Stunts

Performing PR stunts such as speed traps, danger signs, and drift zones is another reliable method for earning credits. Completing these stunts can earn you credits and other rewards, such as special cars or rare items. It’s a great way to break up the repetitive nature of racing while also collecting credits.

4. Auction House

The Auction House can be an excellent way to earn credits if you know the market. Buying cars at lower prices and selling them for higher prices is a strategy that many experienced players use to make a significant profit. If you’re not yet comfortable with auctions, it’s best to start with a small selection of cars and gradually expand as you learn the market trends.

5. Skill Points and Car Masteries

Earn skill points through drifting, performing stunts, and hitting other targets. Skill points can then be used to unlock car masteries, which often include credits. Some vehicles in Forza Horizon 6 offer special bonuses that can help you earn more credits as you complete certain challenges or races, so focus on cars that allow for these types of rewards.

How to Spend Your First 5 Million Credits Wisely

Once you start earning credits, it’s essential to plan your spending wisely. The first 5 million credits should be spent in ways that help you grow your collection and improve your performance on the road. Here's how to prioritize your spending.

1. Invest in a Versatile Car Collection

When you first start playing, you’ll want to purchase a range of cars that perform well in different conditions. Choose cars that give you the best value for your credits—typically cars that perform well in multiple events. Some players may recommend investing in one or two top-tier vehicles early on, while others might suggest starting with a broader range of cars that can be upgraded later.

For your first 5 million credits, consider buying cars that will allow you to tackle a variety of events. Don't focus too much on high-end supercars immediately unless you know you have the credits to spare.

2. Upgrades for Your Cars

One of the key features in Forza Horizon 6 is the ability to customize and upgrade your vehicles. You don’t need to spend all of your credits on the latest and most powerful car right away—consider upgrading the vehicles in your garage. Performance upgrades, including better engines, tires, and suspension, can dramatically improve your car’s handling and speed.

Upgrading early will help you participate in higher-level races and challenges, which ultimately will give you access to better rewards and higher payouts.

3. Special Car Customizations

Customizations are another area where your credits will come into play. From visual modifications like custom paint jobs to performance tweaks, customizations allow you to personalize your cars. However, while it’s tempting to go all-out, it’s wise to prioritize performance over appearance early on. Save some of your credits for visual customizations once your primary focus on performance upgrades is complete.

4. Focus on Unlocking Special Events and Areas

In Forza Horizon 6, unlocking special areas and events can give you access to unique rewards and bigger payouts. Some races and events are locked behind certain milestones or upgrades. By investing some of your credits in unlocking these events and areas, you can participate in the most rewarding challenges available.

5. Buy Forza Horizon 6 Credits

If you want to speed up your progress and ensure you have the resources to grab specific cars, or if you're looking for a way to boost your bank without grinding, you may consider buying Forza Horizon 6 credits. While this is a personal choice, many players find it helps to focus on enjoying the game and participating in events without the grind of collecting every single credit.

6. Don’t Forget About Cars with Higher Resale Value

Some players choose to spend part of their credits on cars that they can later sell for a profit in the Auction House. Cars with high resale value allow you to play the market and earn back credits, which can then be reinvested in higher-performing cars or upgrades. It’s a slow but reliable way to build your balance without too much effort.

What to Avoid in the Beginning

While spending credits is important, there are also a few things you’ll want to avoid early on in the game. These mistakes can waste valuable resources that would be better spent elsewhere.

1. Over-Indexing on Expensive Cars It’s tempting to buy the most expensive cars early on, but those cars often require significant upgrades to be competitive in higher-level races. Focus on building a diverse and effective car collection instead of sinking all your credits into a single luxury car.

2. Excessive Customization As mentioned earlier, visual customizations are fun but should come later. Early on, it’s more important to focus on improving your car’s performance. Avoid spending too many credits on things like custom wheels, body kits, or paint jobs until you have a stable car collection and ample credits.

3. Ignoring the Auction House Too Early While the Auction House can be a great way to earn credits, it’s not always the most profitable method if you’re just starting out. If you don’t have a clear understanding of the market trends, it’s easy to lose credits. Take some time to learn how it works and develop a strategy before diving too deeply into auctions.

Your first 5 million credits in Forza Horizon 6 are a significant milestone that will help set the foundation for your success in the game. By focusing on earning credits through races, challenges, and events, and spending them wisely on car collection, upgrades, and unlocks, you’ll be able to maximize your progression and enjoy the full experience Forza Horizon 6 has to offer. Whether you choose to buy Forza Horizon 6 credits to speed things up or rely on in-game methods, making strategic decisions now will ensure a rewarding and exciting future in the Horizon Festival.