Too tight?

I can only manage one finger into my v-gay. I dunno why in all honesty. I’m certain I’ve not always been this way. When I was 12 I remember feeling quite loose.. but I’m 14 now and seem to struggle. I don’t seem to feel much pleasure when fingering myself but whenever my boyfriend fingers me it hurts a fair bit but somehow feels good at the same time. Still doesnt stretch me out much. Any help?