How do you finger a girl with her pants on?

well you just have to try to do it as if her pants werent there. you may have to use some more force though

post more questions and info in the discussion. thank you

You can't finger a girl with her pants on since fingering means sticking your finger inside her. You can rub though but sometimes if the labia is in the way you will not reach the clit. She can use her hand and spread them so you can more easily access it.