I can't cum because it hurts too bad!!

Sierra
When I get close to orgasm, my clitoris gets crazy sensitive and contact becomes painful. Whether my boyfriend is using his mouth or his fingers, I have to push him away before I can actually cum because it just hurts too bad. I've still never had an orgasm! 
Do any of you have this problem? Or a solution?? Help!
(We don't have actual penetrative intercouse. We decided to save that for when we get married. But he does finger me)