Abstract: An applicator for applying substances, such as lotions, to a user's body has a handle, an attachment member, and a pad removably attached to the attachment member. The handle has a rigid portion with a gripping member at one end and an opposite end portion received into the axial opening of a sleeve. An end of a bendable section is removably received into the axial opening opposite the rigid portion. The attachment member includes a flat layer and a formed layer with edge portions secured to the flat layer. A midportion of the formed layer extends around and is secured to the end of the bendable section opposite the sleeve. The flat face of the attachment member preferably forms a hook component of a hook and loop fastener for easy attachment to a fabric face of a pad.