Thoughts on sex before marriage?

I've been in a dilemma of whether having sex before marriage is okay or not. My bf currently has had physical relationships with his ex girlfriends, however it's my first relationship and I've never had sexual experience before. It's been around a year of us having a long distance relationship with only one date when he came to visit me in my city. He was prepared to have sex, which I declined. We kissed and hugged and other romantic stuffs which was all my first. He was talking about meeting me up in a couple of months again and said we should have sex this time. I really love him, however, i have mixed feelings about having sex on our date. It's a secret relationship and my family doesn't know about it obviously. I had thought about saving it till marriage, but even I feel like having sex w him sometimes, I overthink a lot on whether it's right or not. What are y'all opinions about it?