He quoted $15,000 for his services but when she couldn't pay him, Heke-Gray said he told her to sell her bike or get a loan from her boss.
He later agreed to have sex with her as a means of settling payment.
They discussed all matters sexual openly through Facebook messenger and video calls, Heke-Gray told the jury.
The woman travelled to Whangārei on a bus and the pair met at Pak'nSave carpark, where Heke-Gray said he let her drive towards Tamaterau where they engaged in sex in a toilet.
They then stayed at Flames Hotel in Onerahi, at a holiday park as well as with family members over the next week and engaged in sexual activities.
"She never gave me any sign that she wasn't enjoying herself. She enjoyed it right from the start," Heke-Gray said.
Heke-Gray said she was not a prisoner while with him and could leave whenever she wanted to.
As he was on the run from police, he said he needed money to pay for motels and other expenses since he was moving from place to place.
He admitted having the woman's cellphone because she owed him money.
The woman liked him and was always available to talk to him, he said.
The Crown's case is that Heke-Gray sexually violated her at Tamaterau, at Flames Hotel and elsewhere they stayed at during her trip to Whangārei.
It was during a visit to a medical centre in Whangārei for injuries inflicted on her that staff managed to get the woman away from Heke-Gray, the Crown said.
In his opening remarks Judge John McDonald told the jury it would be wrong to convict Heke-Gray because he had a previous conviction for rape.
He told them to approach the case in a logical and dispassionate way.
The jury is expected to retire and consider their verdicts tomorrow.
