I'm 14, and a virgin, but can fit fingers inside my vagina: is something wrong with me?

I'm 14 years old and a virgin. When I explore myself or masturbate I find that I can fit at least 3 fingers inside myself without much discomfort. I haven't had sex and yet it feels like I'm stretched out or something. Could this mean that I really am just loose? I mean I've been fingered by my boyfriend before but never anything else. Shouldn't my hymen be intact?...