My toddler doesnt want to be changed or wiped

Im not entirely sure what to do here except ask for advice? Ill give some context but also want to preface this by saying im taking her to the doctor first thing in the morning! My daughter (3) goes to daycare 5 days a week. The middle of last week she started not wanting to get her pullup changed, but i thought it was just because she knows she has to sit on the potty for a few minutes (currently pottytraining. Saturday i noticed a smell coming from down there on her, and come sunday when i started wiping her she said it was hurting her. There were a few days this week where i picked her up and her pullup was full. I pick her up as shes waking up from naptime and even though i give her babysitter regular diapers for naptime shes usually still wearing a pullup. Luckily i start a new job on wednesday and im switching daycares, but im wondering if that could be the cause of this issue? What can i do to make her feel better? Diaper rash cream? I have called her dr all day today with no answer, left messages. If i had my car i wouldve taken her to urgent care today but i will first thing in the morning if they dont return my messages. Im so stressed and i dont know whats going on, she seems fine if were not changing her diaper or pullup and whenever she does urinate she doesnt complain of it hurting. Please give advice or opinions because im freaking out