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He would like to fuck her, have a FWB relation or one night stand. She would like to get a boyfriend and introduce him to her parents.
The problem comes when you don't want to pretend to "love" her back, but would just like to have sex and fun with her. At least that's how I saw it because I've experienced the same. Of course, you can play along but my style is not to pretend I'm dating someone or interested in finding a girlfriend while I just want to have sex with them.
That is assuming too much. Never underestimate (or overestimate) girlie speake. Most girls who said 'I love you' to me these past few months never introduced me to their parents.
But I agree that 'Honesty is the best policy.'
When she says "I love you," don't be a douchebag and say 'I love you' back. Whisper in her ear something like, "I love banging your pussy real hard." She'll moan louder and grind harder, if you're direct and honest about your intentions.
Keep your gentlemanly values and chivalrous attitude and she'll be riding your cock like a horse.
Another good reply to 'I love you' is something like: "Can you help me? I've got a deadline to make but my laundry has piled up this high."

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Approach. Open. Escalate. Isolate
Here are my two essential rules on texting that will save you tons of time and money:
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