Board Thread:Game Discussion/@comment-33869270-20180703015324/@comment-4939977-20180925084515

"Car Loaning Cars in the first Tier of every Main Career Series are now loaned for free, this means you can complete the first Tier of content without owning any of the cars"

- Excerpt from what's new in v6.4, Firemonkeys

Keyword(s) = For free

This means that you can loan a car in the first tier of all career series (not bonus series or motorsports series) any time to your heart's content.