Though you love her, you're not sure you're ready to say it. Despite not using the L word, reassure her that you care. Go out of your way to show this.
This may seem like homework, but love is. It's not enough to say you're not ready. If you've reached that point in your relationship, she deserves to know why you're not saying it.
You don't have to say those four-letter words yet. Even if it takes months, don't criticize yourself. One person describes how their partner finally said it in a unique way.
“Thank you, it is good to know,” one person said the last time he had this issue. Please know that your heart is safe with me until I find the courage to say I love you back."
Rolling with it can be best. Say it if you think you'll get there. I say this as a woman: few women can understand that you're not saying it back. A smaller percentage want to feel "more invested."
Many suggest saying, “I think you are awesome, and we are reading the same book, but I am a couple of pages behind you.” Try this if you hate to play it safe. It's your choice.
Commitment takes time for some. When cornered, say, "I love spending time with you, and you are so special to me, but I'm not sure I'm ready for this level of commitment yet." I hope you comprehend.”