Unprotected sex (was a virgin)

So I just hooked up with this guy I just met last night, we cuddled, made out, one thing led to another, he was inside me. I did say "Yes", but does it really count as consent if I'm underaged? It was also unprotected, he pulled out in time and cummed on my belly button. My periods are still pretty irregular so I've missed this month period thinking it is a normal thing. I just had sex for the 1st time last night. So would I need the morning after pill? I definitely need to visit my physician about the period thing. I've been spotting since after the penetration, I don't really know what that means. Being young and naive I'm afraid to tell my mom or my sister but not telling someone could lead to worst consequences. Thank you so much for whoever's reading this.