A standard save just gives you the cars. A true 100% save gives you builds for Race, Drift, Off-Road, Drag, and Runner classes. No grinding for the perfect "Outlaw" brand speed cards.

If you want to skip the progression loop and dive straight into visual tuning and high-stakes racing, using a 100% complete save game file is the fastest solution.

: Right-click NFS Payback in your library, select Properties , and toggle off "Keep games saves in the Steam Cloud."

Before modifying any files, protect your personal progress. If something goes wrong, you can restore your original file. Open on your PC. Navigate to your Documents folder. Locate the folder named Need for Speed Payback .