The invention provides a refreshing, moisturizing, whitening and repairing sunscreen lotion and a preparation method thereof. The refreshing, moisturizing, whitening and repairing sunscreen lotion isprepared from sweet almond oil, mink oil, camellia oil, aloe oil, calendula oil, a universal self-emulsifying compound emulsifier AC-402, saussurea involucrata soaking oil, a hawthorn extracting solution, an apple peel extracting solution, a centella extracting solution, a tremella extracting solution, a ginkgo leaf extracting solution, a pomegranate fruit squeezing solution, a kelp extracting solution, a radix angelica sinensis extracting solution, Arabic gum, tragacanth, L-sodium lactate, a cell activator MG-60, carbomer 941, an ice crystal forming agent AVC, dimethyl silicone oil, 1, 2-propylene glycol, talcum powder, distilled water, ethylparaben, a 30% triethanolamine solution and essence. Compared with the prior art, the sunscreen lotion is fine and uniform in texture, refreshing, moisturizing, not sticky, rapid in absorption, good in skin feeling and capable of blocking ultraviolet rays and achieves the effects of preventing ultraviolet rays, preventing light aging, moisturizing, whitening and repairing after sun exposure.