I would like to first say, stretch marks are linked to more than what you apply on your skin, sometimes it’s unavoidable regardless of topical applications.

I would recommend you use both a stretch mark cream and an oil. Layering up water based creams or lotions with an oil helps to reduce TEWL (Trans epidermal water loss ) which locks in moisture. Some oils are rich in fatty acids and are good sources of vitamin E which helps with the elasticity of the skin.