I would just keep an eye on it. If it seems to get worse or cause her any pain, I would at least call her doctor about it. Maybe they could give you advice over the phone or you could ask if there is an email address you could send a picture of her fingers to them. Otherwise, I would just let it be, because it doesn't sound like it is very serious. There is no need to waste time and money taking her to the doctor if you don't feel the need. I would just try to keep it as clean as possible (hard to do with a toddler, I know) to make sure it doesn't get infected or anything.
Trust your mommy instincts; if it seems to be an issue, call. If not, she should be just fine. I hate taking my daughter to the doctor, too, but I definitely know how it is to worry about things. Good luck, and I hope everything is okay!