What to Spend Credits on First in FH6 — Priority Guide
Your credits are limited. Here's exactly where they should go, in order.
FH6 throws credits at you during the first few hours — wheelspins, race payouts, accolade bonuses — and it's really easy to blow it all on a shiny car that sits in your garage while you still can't fast travel anywhere. I've watched friends with 500,000 CR in their account and a garage full of unpainted body kits while they're still driving 10 minutes between events. That's the wrong order.
Here's the spending priority that will actually make the game more fun, faster.
Priority #1: Houses With Perks
This is the single biggest mistake new players make — ignoring houses. Every house you buy gives you a permanent benefit that affects the entire game from that point forward. A car gives you one vehicle. A house gives you a perk you use every single session for the rest of your playtime.
Buy these houses in this order:
1. La Casa Solariega (75,000 CR) — This is the one that unlocks Skill Songs. Every time a Skill Song plays on the radio, you get a 2x skill score multiplier that stacks with your regular multiplier. If you're farming skill points for car mastery perks (and you should be), this house pays for itself in about 20 minutes of driving. Buy it the moment you have 75,000 CR. No exceptions.
2. Buenas Vistas (175,000 CR) — Unlocks the second wheelspin per level-up. You already get one wheelspin per level. This doubles it. Wheelspins are your primary source of free cars, free credits, and free cosmetics throughout the entire game. The earlier you buy this, the more extra wheelspins you accumulate. Waiting until level 100 to buy it means you missed 100 free wheelspins. Buy it before level 20.
3. El Lago Hideaway (200,000 CR) — Doubles Forzathon Points earned. Forzathon Points buy exclusive cars and rare items from the Forzathon Shop that rotate weekly. Some of those cars never appear in the Autoshow. If you're doing the weekly challenges (and you should be, they're the easiest way to get exclusive cars), this house makes them twice as rewarding.
4. Castillo Del Mar (500,000 CR) — This is your fast travel house. Without it, fast travel costs credits every time you use it — and it adds up. With this house unlocked, fast travel is free. Permanently. You'll save millions of credits over the course of the game, and more importantly, you'll actually use fast travel instead of driving 8 kilometers to the next event.
5. La Gran Caldera Spa Resort (1,500,000 CR) — Super Wheelspin with every daily challenge completion. This is expensive, no question. But daily challenges refresh every day, and a Super Wheelspin gives three prizes instead of one. Buy this when you've crossed the million-credit mark and have the first four houses sorted.
After these five, the remaining houses are cosmetic — buy them when you have spare credits and want the garage expander or the photo mode backdrop. The perk houses are your financial foundation.
Priority #2: Essential Car Upgrades
After houses, your credits should go into making your best cars better. Don't spread upgrades across 20 cars — pick 2-3 workhorses and max them out.
AWD conversion for your main road car. Most cars in the game are faster with all-wheel drive. Yes, it adds weight. Yes, purists will tell you RWD is more fun. They're right about the fun part. But if your goal is winning races and earning credits efficiently, AWD gives you better launches out of corners, more stability in the rain, and forgiveness when you make mistakes. It costs about 25,000-50,000 CR depending on the car. Worth every credit.
Race tires and race suspension. These two upgrades transform any car's handling. Race tires give you the grip to actually use your horsepower through corners instead of sliding wide. Race suspension lets you tune ride height, camber, and spring rates — but honestly you don't even need to tune it. The stock race suspension setup is dramatically better than anything below it. Together these cost about 20,000-30,000 CR.
Race brakes. The most boring upgrade in the game. I get it. But race brakes let you brake later into every corner, which is worth more lap time than 50 horsepower. For about 8,000 CR, this is the highest value-per-credit upgrade in FH6.
One good engine swap for your main car. Once you have the chassis sorted with tires, suspension, and brakes, then add power. A proper engine swap (not the bolt-on upgrades, the full crate engine) can jump your car two or three PI classes. It's expensive — 50,000-100,000 CR — but it's a one-and-done investment in a car you'll use for dozens of hours.
Priority #3: Cars That Fill Gaps
Only after houses and upgrades should you buy new cars. By this point you'll have a decent collection from wheelspins and festival rewards anyway. When you do buy, buy to fill specific gaps.
Make sure your garage has at least one competitive car for these categories: A-class rally, S1-class road racing, A-class cross-country, and a drift car. That's four cars that cover about 90% of the events in the game. Everything else is either nice-to-have or can wait.
I go into detail on which specific cars to buy in the beginner car guide, but the principle is: buy cars that unlock access to events you can't enter yet. Don't buy your fifth S1 road racer when you have zero drift cars and a drift zone championship just opened.
Priority #4: Cosmetics and Fun Cars
Last. Dead last. Body kits, rims, paint jobs, horns, emotes — all of this comes after you have a functional garage and all the important houses. The good news is FH6 gives you a ton of cosmetics for free through wheelspins. By the time you actually want to customize your car, you'll probably already have the parts.
Same goes for "fun" cars — the classic muscle cars, the meme builds, the engine-swapped Peel P50s. These are great. I love them. Build them when you have disposable income, not when you're still saving for Castillo Del Mar.
What NOT to Spend Credits On
Some things in FH6 are credit traps. Here's what to skip:
Wheelspins from the Forzathon Shop. You can buy wheelspins with Forzathon Points. Don't. The expected credit return is lower than what you'd get buying a rare car and selling it on the Auction House. Wheelspins are a lottery and the house always wins.
Mid-tier cars you'll replace immediately. The gap between a 60,000 CR car and a 120,000 CR car is often huge — much bigger than the price difference suggests. If you're saving for a Porsche GT3 RS, don't "temporarily" buy a Cayman. Just save a little longer. The Cayman will gather dust the second you get the GT3 RS.
Expensive tunes from random creators. Some tuners on the Creative Hub charge credits for their tunes. Unless you know the tuner by reputation, don't pay for tunes. There are free tunes from championship-winning builders that are better than 90% of the paid ones. Check the Forza subreddit or Discord for recommended tuners.
Autoshow cars available as festival rewards. Check the current festival playlist before buying. If a car is a 40-point seasonal reward, grab it for free instead of dropping 200,000 CR at the Autoshow. This sounds obvious but I've absolutely bought a car on Tuesday that became a free reward on Thursday. The pain is real.
Upgrading every car you own. You don't need a fully-upgraded garage. Upgrade 2-3 cars for the classes you race most. Save the rest for when you actually need them. Upgrades don't earn interest sitting in your garage.
Fast Credit Methods (When You Need a Boost)
Sometimes you just need credits fast to buy that house before the next session. Here are the methods that actually work:
Goliath race. The Goliath is a massive circuit race that pays around 50,000-80,000 CR for a 10-minute lap, depending on difficulty settings. Turn off assists, bump the difficulty to Expert or above, and run a few laps in a fast S2 car. This is the most consistent credit farm in the game and you don't need any special setup.
Auction House flipping. Buy low, sell high. It's boring but it works. Look for cars that are current festival playlist exclusives — people sell them cheap immediately after the season ends because they got duplicates. Buy at 20-50% below market, relist at market price, repeat. This is how I funded my first 5 million credits.
Car Mastery skill point farming. Certain cars have Car Mastery perks that award wheelspins or straight credits. The Willys Jeep costs 40,000 CR and has a Super Wheelspin perk at 5 skill points. Buy five Willys Jeeps, farm 25 skill points (about 10 minutes of drifting), claim five Super Wheelspins, profit. You'll average 100,000+ CR per batch. Delete the Jeeps and repeat.
Seasonal championships. Each weekly season has at least one championship that awards a rare car on completion. Even if you don't want the car, complete the championship and sell the reward on the Auction House. Some seasonal reward cars sell for 1-5 million credits a few weeks after their season ends.
If you follow this spending order — houses first, then essential upgrades, then gap-filling cars, then fun — you'll have 5+ million credits and all major purchases done before you hit level 100. If you do it backwards, you'll have a garage full of half-upgraded cars and you'll still be paying to fast travel at level 200. Choose wisely.