The player is introduced to TJ, whom promises unique vehicle upgrades in exchange for beating time trial challenges. The player meets other racers and eventually gathers a small list of nemesis that continually challenge them. Eddie is the leader of The Eastsiders and currently the best racer on the streets of Olympic City he also has a girlfriend - Melissa. She shows the player how the console with the races works, who is who, and makes fun of the player's first car. Samantha is the player's friend in the city. They are given a uniquely styled Acura Integra Type R that allows them to easily defeat their opponents, but they are suddenly woken up by Samantha, who tells them to stop daydreaming.

The story begins with the player at the centre of the action in a circuit race.

Main article: Player (Underground Series)