Sex for first time

I can only get one finger in and when I try to it feels good but hurts a little so how will my boyfriend get his dick in without hurting like he says he has to loosen it but how would he I can’t get 2 fingers in how will he loosen it, do I have to be like really turned on and really wet for it to go in cause it’s like it’s hitting a wall and i don’t wanna go to the doctor to find out I just want advice no rude advice or stuff just helpful nice advice please and thank you