Darling girl, whatever be the case you have full right to say NO. if you are afraid, then stop it now. Tell him you are very nervous, and not ready. If he is a true lover, friend, he will not force you rather will respect your body and your choice, if not, then throw him out with his fingers and his penis… all in one!! OUT!! This is your body and its your right to say yes or no.. yes? Or No? All the best beta, take good care. https://lovematters.in/en/resource/hymen-and-virginity