Too scared to use fingers

I'm a bit embarrassed to ask this, but why does it hurt when I'm using my fingers? I'm 17 and I can't afford a toy at the moment. I've tried using my fingers but it'd hurt if I put just one in so I wouldn't be able to use two. I'd try to relax and move my fingers but It'd still hurt. I don't have access to any lube except for samples I got from our pride but I do get wet enough without it. I just really want to try more than clitoral masturbation and it's frustrating that I can't. Is there something wrong with me? Do you think if I tried a bigger object (most likely a dildo) that I'd be okay? This is so frustrating.