To use a 100% save game file for Need for Speed Payback on PC, you must replace your local save data with a downloaded file from a community member. Be aware that some users report these files can be account-locked or appear as corrupted.
A "100% save game" usually includes:
: While PC players can easily swap files, console users (PS4/Xbox) generally cannot use downloaded save files and must purchase "Car Packs" or "Time-Saver" packs through the official store to unlock content quickly. nfs payback 100 save game all cars free