Hi Chelsea Lou. One really good toning cream is Nip + Fab tummy toning cream. It is meant for the stomach area but can be used anywhere else. It is about £18 I think it can be brought in boots but I get it for my mum from Harvey Nichols (you could always get it online I'm sure)
Any good toning cream is expensive generally. You could also try a body wrap. They are renowned for being good for loose skin. I myself have never had one but it is worth a try.
Bio oil is more for stretch marks than actual lose skin. And although Dove is a good make I wouldn't of thought it would of had the properties in it to actually help the elasticity in your skin.
Also maybe exercise could help tone-but it's easier to try the creams first!!