Using downloaded save files is generally safe and does not result in a VAC ban as NFS Payback is not a competitive server-side multiplayer game in the traditional sense. However, it is always recommended to back up your own data before modifying game files.

To use a 100% save file, you must replace your local save data with the downloaded file. 1. Locate the Save Directory

on PC provides immediate access to all end-game content. These save files typically include: Story Completion : All main story missions and heist sequences finished. Maxed Collections Gambler's Chip collected and all Billboards

If you ever stumble on a file named “100_Complete.sav,” treat it like a found map: open it, explore the garage, remember the races that must have led here, and if it sparks the itch to race again, jump in — the road never truly ends.