Is there a planned parenthood near you? I don't know about Canada, but in the US I they work on a sliding scale. She really should be protected before you indulge. Plus condoms.
If you ABSOLUTELY CANNOT get her an exam and some b/c, then use condoms w/spermicide AND get Plan B. Depending on where you are in Canada, it's over the counter.
Get it. Use it. Be safe.
If you or her or both of you are virgins, don't expect angels to sing from the get-go...