my gf is not getting wet

Simply, you cannot make your girlfriend have sex with you if she does not want to! She may have past/other issues or just does not fancy you. It's her you need to talk to about it.

She told me that she loves me. But the problem is that she does'nt want to have sex. She told me that she is afraid to have sex does'nt know why.. Why is that?

Perhaps it could be to do with her age; how old is she? Or perhaps she may have been abused as a child and to be honest it could be a hundred and one other reasons. A pointer could be that she does not know why or she has blocked out her bad experience or is simply too embarrassed to talk about it? Be patient with her as she sounds vulnerable.

There are spots you can seduce her by and she will never know that is what is really going on while having a conversation with her, watching TV or movie, etc. A few of them for females; under the earlobe is a very sensitive spot, use your lips and tongue and work down to the neck as the neck CAN be erogenous for some females too but not all and lastly is the inside of the wrist and inner arm, mine is very sensitive. You just need run a finger very lightly up and down, like a feather lightness and can get my vagina wet and juicy already to go - never knew what hit you. Just a couple of suggestions and tips for you to start at. Hope it helps

You can't make her want to have sex. That sounds predatory. You can love her, really get to know her and care for her. Find out who she really is and then she might want to make love. Sex is not your right. But it is important. It's just that it needs to be wanted by both people. There are any number of reasons you she doesn't want sex. They may have nothing to do with you. If yoy truly love her help her get the help she needs to work this out. If she had suffered sexual trauma then it will be a long road to recovery but as someone who has survived sexual trauma it is possible. Of course she may not have been sexually assaulted or abused. Even she doesn't know that. Don't pressure her for sex. That will just make things worse. love and support her in getting professional help. And if you are not up for that, if you really only want sex and not all the complications, then let her down gently, very gently because she needs someone loving and caring right now. It would be wonderful if you can be that person. All the best and sorry if I sound harsh.