Unlimited money
Do the 2 player high stakes mode and have 2 memory cards with saved game data and make sure player 2 has a better car(worth more money). Once the race begins, use player 2's controller and forfeit the race you will have player 2's car. Keep doing this until you have enough money to buy 2 of every car(not upgraded). You should have 3 Mclaren f1 gtr's in your garage. Every time you sell one, another one will replace it.
We have more cheats and tips for this game here, Need For Speed 4: High Stakes cheats
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