Let's take religion out of this for a second.
Why?
Because I think you know what religion traditionally says on matters like this, and, if you don't, plenty of people just told you in the posts preceeding mine. So, I'm going to assume you're looking for another angle on the situation at this point.
One thing that's worth thinking about is, everything else aside, do you *want* to have sex with this girl?
From your post, I'm kind of having trouble reading the answer on that one. Part of me thinks you want to and fear the wrath of God, but another part of me feels that you just don't want to because you don't feel ready for it.
If you don't want to because you don't feel ready for it, don't let anyone push you into anything you don't want to do. That's not just compatible with religion, that's I think compatible with just good relationships and psychology. You've got to reach the point where you're comfortable, or you'll probably regret having done it if you do it.
On the other hand, if you really want to have sex with her and she really wants to have sex with you, its worth considering if not doing it is something you'll regret for the rest of your life. I mean, I don't know how desireable women in general find you, how desireable you find this woman, how many similar opportunities will arise for you in the future, or how much you love this woman; but regret works both ways. Sure, some people regret having sex due to religious scruples, unplanned pregnanies, STDs, some person coming along in the future who wants to marry a virgin, and so on and so forth; but some people also regret choosing not to make love to someone who seems perfect for them but with whom they never get another opportunity for whatever reason. I truthfully think its more complicated than either the "no sex before marriage" or "all consensual sex is cool" folks would have you believe.
It has a lot to do with who you are, what your situation and likely future is, and who this woman is and what you mean to each other.
How long have you beem dating exclusively? Have you been in a lot of other relationships before? Has she been in a lot of other relationships before? Of the people she had sex with, how many relationships did she end and how many did the guy end? Would you be comfortable with it if you made love to her and continued dating for a while and then she ended it or you wanted to end it? Does the relationship need to last for you to feel good about having had sex? Or is it going to be a cherished memory no matter what happens from there on forward?
This is all just food for thought. You can answer the questions on the thread and we can all riff on them a bit and try to help, or you can just think about them to yourself and use them to help you make a decision that way. Or just ignore them.
Ultimately, of course, you do want to make your own decision. You don't want to do or not do something just because someone or several someones on the Internet told you to go for it or not to go for it. In the end, you've got to live with doing it or not doing it. I'm washing my hands of the decision Pontious Pilate style- I won't tell you directly what to do- but I'm happy to help you reflect on it so you can ultimately decide what's best for you.
I'm going to resist the temptation to ask you to post a picture of her and then give you an answer based on how good looking she is on a scale of 1-10.

It's what President Trump would do, but we're all better than him here.

Well, mostly.

Sometimes. I voted against him anyway.
Another thing to just toss in the mix is that sex of course has a huge emotional component for some people as well as just being a pleasurable thing. So, that's something to think about, too, and its something that could sway you either way.
A lot of people who ask questions like this already subconciously know what they are going to do, they just need to see other people say do it or don't do it and talk about it and then they know what's right right for them.
This is your only life to live. Do what you think you'll be most content with doing or not having done when you look back on it in 20 years.