Is it okay to have as a 16 year old girl?

You can be in love, but adult love is different. If you feel like you trust him and are ready to have then do, But understand that you cannot take it back. If you're not ready, then it wont feel right and a wave of emotions will consume you. It's not something you want to look back on and regret. You're only 16, it's not the be all and end all of your relationship. You need to do what's right for you.