All items can be bought with in-game currencies. These are items that affect gameplay. You can instead also purchase them with real money using a separate premium currency. Since this allows you to purchase cars and upgrades at a much faster rate, it could be considered pay-to-win, or at the very least pay-for-convenience.
You can (or could) gain early-access to the game by spending more money.
Premium currencies come in quantities that do not match the price of regular shop items, forcing you to spend more for less.
Contains one or multiple Season Passes, encouraging the purchase of unknown DLC you might never have purchased otherwise.
Includes mechanics that are intentionally slow or inconvenient, but can be bypassed with real money purchases.
Contains premium currencies that can only, or almost exclusively, be purchased with real money.
Features unique cosmetic rewards for pre-ordering the game.
Has a "deluxe" edition of the game which features (almost) nothing but in-game cosmetic items.
Most items that can be bought for real money can also be bought with in-game currencies.