Nothing wrong with that, it might be the fact that you are not ready for a relationship or simply like you mentioned, you don't love her yet. There might be reason for that, maybe because you don't know her that well for you to make that step or because there is something in you that you are still trying to find. Could be emotionally or just simply confused. The right time will come if eventually you continue with her. For me it was fast because i was able to click very fast with my girlfriend. We were the same in so many things and we could understand each other very easily. Remember that the best things in life take time to achieve. Take it at a good paste and just show her that you care for her and eventually it will come out easily. Next thing you know, you will be telling her that you love her so much that she might even get tired haha... But seriously, its OK. I think many people go through that stage, just take it slow and be cool. :) cheers and good luck!