Hand-held articles for applying lotion to a user, including a user's back or other hard-to-reach places. A housing contains a lotion to be dispensed, and a member, integral to the housing, transfers the lotion to a user's body. The member may be a roller or a pre-moistened, elongated sheet, web or strip, with the housing containing a roll of pre-moistened material. The housing may further include a manually operated lever that allows a length of the strip to be pulled from the roll in the housing. The housing may additionally include a cap with a cutting edge to sever the strip at a desired length. The strip of material may be pre-moistened with a tanning lotion; self-tanning lotions; sun block; moisturizing cream, or insect repellant. The strip of material may be made of a non-woven synthetic fibrous material, with a width in the range of 1 to 3 inches.