Girl i know suddenly wants me to take her virginity.why?

She is 16. I know her for half year. We have been mostly texting and she calls me sometimes.

We had alot of problems.and sometimes we kinda broke up even tho we never have officialy been together. After brake ups she was the one always coming back and apologizing(because she ussualy started geting cold on me and disrespectfull)

We have meet only like 5 times.

So few days ago we texted and she said she had sex in dream with me. Since that day she really started to talk about sex.She is a virgin.she had talked about sex earlier too but she ussually stoped the topic saying that she isnt ready anyways.But now she would just go on and on.

So today..she asked me out! First i said that I cant today because im busy.but she begged me saying she needs me. So we met up and walked around town. She really wanted to hug all the time. Whenever we stopped somwhere to look at something she would get really close and try to hug me.

Then we sat on bench and she sat on my lap..aaand started huging me again telling she is cold. She also got really close to my head.like she wanted to kiss me.but I dont like kissing on first date.

So after date ended. We texted eachother and she confessed that she is really horny and she is a bit confused about that. But then she asked if i would want to have sex with her because her hormones are making her crazy and she needs it. I like her.Alot.but i dont want her to do something stupid that she might regret..what should I do?and im not gay.. I just respect her!