Sex and pregnancy!😭

I am 38 weeks pregnant and my Fiancé has been wanting to have sex with me but every time he even fingers me it hurts so bad! Idk why!!! my doctor is good for nothing he never checks me. I see all these girls saying how they are dilated but I don’t know if I am because my doc does not check me. Anyways does anyone else feel so much pain when having sex?? I want to have sex because I know it induces labor but it’s soooo painful!