Negotiate with her.

"I would love to but I don't have $150 with me," you tell her.

"How much you have?" she asks in broken English.

"$130," you reply.

She eyes you for a moment and then smiles. "Okay, one-thirty but you pay me twenty next time. Okay?"

"Yes, of course! I'll give you an extra ten as interest!" you assure her. You have a good relationship with her, as far as it goes with a "rub and tug" masseuse and her client, and you don't want to ruin a good thing by cheating her out of twenty dollars.

"No condom," she smirks, rolling the rubber off your erection. "But you have to pull out before you cum, okay? Promise?"

"Yes," you nod. At least you will try but her pussy is awfully tight and there is no guarantee you will be able to pull out in time.

"Good!" she cheers. "How you want to fuck me?"