You can find 100% completion save files (often including all cars and unlimited credits) from various community sources:
: Before making changes, navigate to the CODEX save path and copy the 1551360 folder to a safe location. forza horizon 5 codex save game 100 link
A 100% save game typically provides immediate access to the entire car roster, including "Hard-to-Find" festival playlist rewards like the Ferrari SF90 Stradale or the Lamborghini Aventador SVJ. Beyond the garage, these saves ensure that every PR Stunt is completed with three stars, all Barn Finds are restored, and every player house is purchased. For a player using the CODEX version, this transforms the game from a linear progression experience into a pure automotive sandbox where the only limit is where they choose to drive. You can find 100% completion save files (often