Pulling out doesn't work. Boys leak without feeling it. You can prove this to yourself by asking him to close his eyes while you masturbate him. Ask him to tell you if he feels he's leaking. He won't, but you'll see fluid come out. Multiply that by his being inside you and you being wet and it being unclear if the wetness he feels comes from him or you.
One in four women get pregnant within a year of using pulling out. It doesn't work.
So, since you're late, this is where you go and get a test. Take it in the morning with your first urine. Based on your other comment, somehow you can be alone, have sex, be on the internet, but can't get a pregnancy test, so this is where you wait and see.
Oh, and since he may have had skin-to-skin contact in the past with someone else, even if he said he was a virgin, it's time for you to get tested for STIs. While you're at the doctor, get an IUD or an implant so you don't have to worry like this in the future.
BTW, something you may not have thought of... a guy who is "too lazy" to insist on a condom is a guy who isn't planning to stand by you if you get pregnant. Consider how you feel about abortion and whether you can pay for it. Just a thought.
One last thought... don't have PIV (penis in vagina) sex again until you can get condoms. If you're not in a place where you can buy a pregnancy test, you can wait for sex until you can buy condoms.