Have a saved game file from the original Naruto: Clash Of Ninja on your memory card to get 10,000 extra credits.
Unlockable Characters To unlock characters, you must unlock the Mission Mode, which requires you to beat Story Chapter 1 and to unlock Missions. Unlock Shadow Mode: Unlock Mizuki and Team Battle, then buy for 3,500 in Anko's shop.
Kyuubi naruto unlock rock lee and then beat the game with all characters.