i’m so scared to have sex

i want to so bad, i look at my boyfriend and i could jus pounce on him😍😍😍but i genuinely don’t think i could fit a dick up there?😂i can fit like 2 fingers comfortably and 3 but i have to make my fingers into a sort of triangle shape. But honestly i’m so scared? I wanna just fuck him so bad😂😭😭my vagina has like this extra bit of skin at the home going all the way round is that normal? or is that what’s stopping me from stretching because i’ve tried dildos and stuff but it hurts and i have to really take my time to get it in but i don’t wanna tell my boyfriend about these issues saying it’s not gonna fit cos i jus find that embarrassing 😂is there anyway i can sort of loosen up? because i’m always reslly wet so..