I'm not ready for sex!?

My girlfriend (16) wants to have sex with me (14). I don't have condoms and I have no clue what I would do. The farthest we have gotten so far is kissing and seeing each other naked. We love each other, but I'm not really ready to lose my virginity. My girlfriend is not a virgin and says she is on the pill. There have been multiple times when she has gotten naked and tried to seduce me, but I always turn down. I'm worried that if I turn it down much longer, my gifeiend will dump me. What do I do?