"Lovin On Me" finds Jack Harlow having a little playful and suggestive fun with various S&M references. He won't be tied down, but he's happy to let the lady whip her lovin' all over him. Harlow has made it clear he likes to play the field, so he's not going to be tied down to one girl, or in the bedroom. As for the whip, that's what Babyface would call "Whip Appeal," a way of communicating sensually without words.

Detroit producer Sean Momberger (YK Osiris' "Worth It," Chris Brown's "Tempo") and Swiss beatmaker Ozan "Oz" Yildirim ("Toosie Slide," "Life Is Good," "Sicko Mode," "Highest In The Room") produced the track. German producer Nik D, who is part of Oz's team and Harlow's recording and engineer Nickie Jon Paboìn also get credits.

Sean Momberger did the original production. He took the hook from R&B singer Cadillac Dale's 1995 song "Whatever (Bass Soliloquy)" and added some beats with the help of co-producer Oz. "I'm a huge sampler. I always love starting ideas with old tracks," he told Billboard. "I was trying to break the mold of using super well-known samples and dive into older R&B and '90s songs." Momberger had originally envisioned this as an R&B track for a singer like Chris Brown, whom he had collaborated with before. But the beat took a different direction when Oz added his hip-hop flair to it.