advice..

so i’m 16, and i’ve never had sex before, but things are starting to heat up with this guy, but i’ve always been scared of having sex. like i’m a baby when it comes to pain. i’ve heard by multiple people it is painful and others have also said it didn’t hurt at all, any advice on how to get over the fear or something? every time we get somewhere close i stop him bc i am super nervous well more scared.