VIP members get free credits
This is probably the No. 1 reason to get the VIP membership in Forza Horizon 4. One of the perks is double credit rewards for every completed event. So, for example, if you win a race and earn 5,000 credits, the game will give you 10,000 total.
Credits aren't available to buy with real money, and you need a lot to buy some of the in-game items. You'll need to buy Bamburgh Castle at 10 million credits to unlock one of the barn finds, so maximizing your earnings is critical.
VIP members get free cars, a house, and exclusive vanity items
VIP members will enjoy much more than just mere credits. There are a number of other in-game perks that only come with a VIP membership. And the first is a free house valued at five million credits. So that's worth having.
Horizon 4 VIPs also get three exclusive Forza Edition cars, VIP crown flair, VIP vanity items including a full outfit, a VIP emote and car horn. Half the fun of a Forza Horizon game is collecting the huge amount of items within it, and the VIP membership gives you items you just can't get otherwise.
You're also treated to weekly bonus super wheelspins. These are the same as regular wheelspins which have returned, only super wheelspins deliver three prizes every time. So if you get really lucky you could end up with three awesome vehicles from a single spin.