The complainant had a blanket placed over her head as the women took her from her home to another address where they assaulted her as they tried to get the money, but Kaka did not take part in that assault, the judge said.
Despite being terrified and fearing for her safety, the victim fell asleep on a couch and awoke to find Kaka violating her, and threatening to punch her if she did not let him continue.
Judge Rea said she suffered severe "victimisation and trauma", and he told Kaka: "You were the cause of that."
He said Kaka had previous convictions including one for sexual offending, but added: "This moves to a new level."