Call her before, not text, so you hear her voice clearly. Make sure, unequivocally that no money is gonna change hands. And go for it. But: punting phone, no wallet/keys/ID, use condoms, no real name, no EAS on your part. String her along if needs be and she's a good fuck/nice girl.
Hotel is a good suggestion, tell her if she really wants you, she'll come to a hotel for an all afternoon/evening shagfest. You may pay 80odd for the hotel, but It'll be worth it!
But, tbh, the whole thing sounds like horseshit!