Closest you will get that I have found so far is a game called "Project Torque" which is an MMO type game where you can play for free and earn points to buy upgrades and customisations to your car and buy other cars or you can pay money to get them easier and faster
More towards NFS than GTR/RACE/rFactor etc (you need tons of steering lock to lol, makes driving our games very wierd afterwards)
Project Torque - Free Racing MMO at Aeria Games