First, since you have only 10,000 credits, get a decent car to race with, just find a car with around 250 horsepower. If you're just starting out in a new game, a Toyota Supra is recommended and can be bought in the Used Car Showrooms. If you have Gran Turismo 3 game data, you can transfer credits from the game and have 100,000 credits.Get Easy Cash on Gran Turismo 4 Step 1Bullet1.jpg
Go to the Special Conditions Races near the bottom left of the GT mode menu.
Choose the second one down. It's called Capri Rally (easy).
There are only two races, and each have 2 laps. The track is a little different than normal races, that's why it's called "Special Conditions". When racing don't hit the other racer or walls, otherwise, you will get 5 second penalties which force you to go a max of 31 mph (50 km/h) for 5 seconds. It doesn't seem like much but it can add up if you do it a lot.
Once you do both races (the track forwards and backwards) you will have won 10,000 credits of prize money and a Toyota RSC Rally Car. This car sells for 265,624 credits! This is more than twice the amount to buy a Dodge Viper or a BMW M5 and tuning it up!Get Easy Cash on Gran Turismo 4 Step 5Bullet1.jpg
Congratulations! You have now made 275,624 Credits (375,624 if you have Gran Turismo 3 game data) in a fairly short time, if you didn't mess up on the races.
Repeat if more cash is wanted. If you want a fast race car, repeat almost 20 times for a Toyota GT-One or any race car costing 4,500,000 credits. For a shorter option, race cars costing 1.2-1.4 million credits are almost as fast.
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