S Tier

Floppy TruckArmored truckBest vehicle in the game. Armor 4, Acceleration 7, designed for sustained bank heists and Mexico-border final fights.

A Tier

T-1000All-rounderBest free-to-play car. Recommended first upgrade. Balanced Speed and Armor 4.

B Tier

ReventadorSpeed demonMaximum top speed. No armor — exposed at wanted level 4-5.ChargedBudget sportAffordable sport car for zipping past 1-2 star police.

C Tier

MudrunnerOff-roadCheap paid off-road truck. Useful when leaving the highway. Armor 3.

D Tier

Starter BeaterTutorialFree starter car with low armor. Replace as soon as you have Credz for the T-1000.

U Tier

(Free Credz slot 4)UnknownAn additional free Credz car slot is inferred from ProGameGuides' coverage. Specific model and stats not separately verified.