S.G.
All of the girls in my family have had "girl" problems since toddler age! It could be discharge, or a slight yeast infection. My personal advice would be to try to address it by diet/ laundry soap & bathing BEFORE talking to doctor. Because of my problems, my ped. insisted on an exam at 5 years old. It really traumatized me, and I was terrified of doctors for a long time.
Same scenario with my neice. Even if she's not complaining of it bothering her, she may still have an imbalance. Things that help WITHOUT medication/ toddler female exam: 1) probiotics! it's the new craze, but really nothing new. Lots of Yogurt & you can even get probiotic supplements for her 2) Free detergent. Get rid of the scents & dyes. Gain is the absolute WORST 3) baking soda baths. We put a cup of baking soda in every single bath. 4) flushable wet wipes. Make sure she is getting wiped very well each time she pottys!