This isn't a cheat so much as an effective strategy for beginners. First get a car to the 300 hp range, then race the Super Speedway track in the Beginner class GT World tournament. If you race against only Rally cars, you should be able to win, for $10,000 a win. Do this about 10 or 15 times, until you have enough to get a good car and tune it into the 500 hp (or higher) range. From there, enter the European Championship series in the Amatuer class. Win the first four races, then save your game. Enter the fifth race and immediately exit. You'll win the series and win one of four bonus cars. If you get a car other than the Vertigo race car, exit out and load your game to quit the fifth race again. Do this until you get the Vertigo race car, which you can sell for $300,000. You also should win about $50,000 from the four races and the series win. This should take about 20-25 minutes, and yield around $350,000.