Within 5 minutes of setting up a paypal account, you can use it.
There are so many more things you can do with a paypal account, other than buy car models. Some online vendors, other than ebay, allow you to use papal, and in most cases, it adds to the protection and security that the credit cards companies give for purchases.
Do you remember how expensive it was 30/40/50 years ago to send money to somebody? paypal does it free.