Eh, this is why I generally don't meet folks from the internet at my place first. Unless I've known them virtually for a very long time and/or there is a large community of mutual friends that could provide a healthy social stigma if anything untowards happened.
This is mainly what I don't understand.
1. She knew he didn't have a car.
2. She also now knows he doesn't have a cell phone either.
3. Instead of meeting him at a resturant or picking him up, she lets him talk her into coming to her home?
IMO, anyone worth meeting is likely to have #1 or #2 covered or dealt with one way or the other. If not #2, they certainly wouldn't be borrowing your phone multiple times.