For dry skin on your fingers, I recommend using a thick, emollient cream or ointment rather than a lotion. Look for over-the-counter products containing ingredients like ceramides, urea, glycerin, or hyaluronic acid (such as CeraVe, Cetaphil, or Eucerin). For extremely dry or cracked skin, applying plain petroleum jelly (Vaseline) at night and wearing cotton gloves can lock in moisture. Avoid harsh soaps, wash with lukewarm water, and apply cream immediately after washing your hands. If your skin becomes very painful, cracks, bleeds, or doesn't improve, please consult a dermatologist, as you might need a prescription-strength cream.