The invention discloses a whitening anti-aging low-allergenicity skin care essence lotion containing a lactobacillus fermentation product. The essence lotion is prepared from, by mass percentage, 0.1-5% of the lactobacillus fermentation product, 1.0-15.0% of a water-soluble moisturizing agent, 0.5-2% of an emulsifier, 0.5-2% of higher aliphatic alcohol, 0.5-2% of higher aliphatic acid, 0.1-1% of athickener, 0.2-5% of an oil-soluble moisturizing agent, 0.1-10% of a skin conditioning agent, 0.1-1% of an anti-allergic agent and the balance water. According to the essence lotion, the lactobacillus fermentation product is compounded with the moisturizing agents, the skin conditioning agent and the anti-allergic agent which have various effects of moisturizing, whitening, allergy relieving, repairing and the like, so that the synergistic effect is achieved, the skin moisture can be locked, the skin is kept moisturized, skin collagen is replenished, aging of the skin is delayed, a cosmetic can be endowed with significant whitening and anti-aging effects by applying the lactobacillus fermentation product to an essence lotion system, the skin is finer, smoother, whiter and more moisturized, and the skin state can be well improved; meanwhile, due to the low allergenicity of the lactobacillus fermentation product, the irritation of the essence lotion is greatly reduced.