While experts all recommend using both a moisturizer and a separate sunscreen, the reasoning comes from more than just the products' ability to penetrate your skin. ... Still, while it's not exactly derm-recommended, applying a moisturizer with SPF is better than applying no SPF at all.

Should I use Body Lotion SPF?

“While the formulation might be more appealing, it is highly recommended to use a body sunscreen with a sun protection factor of at least 30.” However, according to Dr. Frank, body lotions with SPF are useful if layering with a body sunscreen to create a better consistency on the skin.

Does lotion work as sunscreen?

Suntan lotions and tanning oils have an SPF of less than 15 and aren't safe to use as a sunscreen. For proper sun protection, parents should make sure their kids are covered with a broad-spectrum sunscreen or a sunblock.