Buying Guides

A Guide to Choosing the
Right Jewelry for You

Closeup of beautiful young woman with slicked hair and bare shoulders wearing beautiful long dangle earrings
Written by Flexshopper

Why do we love jewelry? Because (perhaps even more than clothing or makeup) it speaks for our personality. Clothes are kinda non-optional, but when we choose to wear jewelry, it’s an add-on that truly makes a statement about what we want to share with the world – pretty powerful, right? And if you’re not sure which jewelry complements your skin tone and body type, or which pieces express your personality best, we can help!

Instant Self-Expression: Start Here! 

If you haven’t previously been ’into’ jewelry, deciding to identify in this fun and expressive new way can be freeing and uplifting. Head out with a new brand of confidence when you leave the house telling your own story. FlexShopper’s beautiful, lease-to-own1 jewelry selection offers an ideal (and budget-friendly) way to start a collection that’s uniquely you.

Black woman with glowing bronze gold skin and pearl headdress with sparkles around her

When It Comes to Adornment,
You Do You!

There’s kind of a formula to selecting the pieces that organically convey your style and individuality. You can never go wrong by starting with what makes you unique:

  • Extroverted and independent? Never turn away from a challenge? Unique statement pieces that proclaim your presence (large hoops, chandelier necklace) fit your style.
  • Artistic, free-spirited, and nature-loving? Always going with the flow? Natural stones and organic materials, or unique metals such as rose gold, are more intuitively you.
  • Do people tell you you’re a natural born leader? All about a take-charge spirit? Going bold with classics suits you. A weighted gold chain necklace or cuff bracelet, perfect!
  • Always ready for adventure, excited about the future? Big-picture thinkers love what’s new and exciting, whether it’s cool art-deco earrings or stacks of silver bracelets.
  • Identify as empath, caregiver or teacher? This combo of sensitivity and leadership tends to inspire romantic pieces such as a dragonfly necklace or heart charm.

The Right Jewelry for Every Body 

When choosing the jewelry that’s perfect for you, an important next step is making sure your pieces highlight your skin tone and suit your body type.

First, Determine Your Skin Tone
In natural light, check the appearance of your veins beneath your skin. (Thanks, for the how-to assist!).

  • If your veins appear blue or purple, you have a Cool Skin Tone
  • If veins look green or a greenish blue, you have a Warm Skin Tone
  • Can’t tell whether veins are green or blue? You probably have a Neutral Skin Tone

Which Metal Tone Works with Your Skin Tone?
There are specific precious-metal tones to best highlight your natural skin tone.

  • Cool Skin Tones look great with light or white metals such as White Gold and Silver
  • Warm Skin Tones are naturally complemented by Yellow and Rose Gold
  • Neutral Skin Tones can Wear Them All (+ cool gray, navy, and bright white!) 

Which Pieces Flatter Your Body Type?
As we joyfully embrace all body types, what better way to highlight them than with jewelry?

  • Draw the Eye Up: short bold or layered necklaces call attention to both your face and décolletage (win-win!)
  • More Face Time: when it comes to accenting your eyes and highlighting your face, a pair of show-stopper earrings does the trick
  • A Grow-Up Glow-Up: an instant way to lengthen the appearance of your torso? Wear a longer “V” or “Y” shaped necklace
  • Hip Highlights: large watches and chunky bracelets are perfect hip-level accents
  • Neck & Neck: long necks love oval earrings and long necklaces; shorter necks are made for showcase pieces

Closeup of 2 sparkling chunks of raw gold

Let Jewelry Tell Your Story

Find pieces that highlight more than your appearance. Here’s a look into FlexShopper’s premium jewelry selection, one not only offering weekly payments that fit into your budget, but choices that celebrate who you are as well.

Sterling Silver Round Tree of Life Necklace

Sterling Silver Round Tree of Life Necklace

A thoughtful Tree of Life symbol is the focus of this versatile and bright sterling-silver, 18″ necklace.

14K Rose Gold Round Cable Link Chain 0.7mm

14k Rose Gold Round Cable Link Chain 0.7mm (20 Inch)

Infinitely versatile, this round, cable-link chain in 14K rose gold measures 20″ long and 0.7mm wide.

14K Rose Gold Petite Textured Round Hoop Earrings

Geometric-inspired lines bring textural contrast, movement, and shape to classic 14K rose gold hoop earrings. 11mm long with snap clasps.

14K White Gold Stud Earrings with White Hue Faceted Cubic Zirconia

Classic stud earrings feature cubic zirconia accents highlighted by polished 14K white-gold sections. 7mm high.

Sterling Silver Square Halo Ring with Cubic ZirconiaSterling Silver Square Halo Ring with Cubic Zirconias (Size 7)

This gorgeous halo-style ring features a square cubic zirconia embraced by a ring of smaller stones.

14K Yellow Gold Polished Moon Ring with Diamond

14k Yellow Gold Polished Moon Ring with Diamond (Size 7)

Celestial beauty meets shiny 14K yellow gold and a delicate diamond in this lovely moon-ring design. Diamond weight: .004ct.

14K Rose Gold Adjustable Friendship Bracelet with Pearls

14k Rose Gold Adjustable Friendship Bracelet with Pearls

Round, luminous pearls parade around this contemporary 14K rose-gold, adjustable friendship bracelet. Adjusts with drawstring clasp. Pearls: approx. 5mm dia.

14K Yellow Gold 9¼ Adjustable Bracelet with Textured Bar

Glittering texture accents a classic bar on this exquisite 14K yellow gold adjustable bracelet. Bracelet is 9¼” long and adjusts with a bolo clasp.

14K Yellow Gold Ship’s Wheel Pendant


This classic ship’s wheel pendant shines with the modern brilliance of polished 14k yellow gold.

18K Yellow Gold and Sterling Silver Pendant in a Dragonfly Design

18k Yellow Gold and Sterling Silver Pendant in a Dragonfly Design

The simple bail provides a beautiful contrast to the exquisitely designed dragonfly featuring 18K yellow gold and scrollwork wings . Pendant is crafted in fine sterling silver. 


Closeup of woman wearing 3 rose-gold necklaces at neck of white button-up shirt

I have enough jewelry
(Said No One Ever)

We love helping you evolve your style with jewelry choices (and payment options) that fit you perfectly. Discover The FlexShopper Difference – Apply Today!

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* Prices and quantities are subject to change

1 If you are approved for a lease this is your estimated weekly lease payment. On this site, we use the terms "lease," "lease agreement," "rental-purchase agreement" and "agreement" the same. (We usually use the term "Lease.") Under your Lease, you can: (a) weekly, biweekly, or monthly payments or exercise an Early Purchase Option pursuant to your payment offer (not applicable in FL, NC and TX) and some restrictions may apply in CA to acquire Ownership of the rented goods or (b) rent the goods for at least the initial term and then end the lease when you want by making all required payments and returning the goods. In NC, the final payment required to purchase the rented goods will be an amount greater than 10% of the Cash Price. If you are approved for a loan the weekly payment is only an estimate. Please review the actual terms in your loan agreement if you are approved. Your rates, terms and payment schedule are subject to approval pursuant to underwriting criteria and may vary by state. FlexShopper provides offers for Lease to Own Options, however, we do not make any loan or credit decisions and are not representative, brokers or agents for any Lenders.

3 If approved by FlexShopper customers that reside in Florida, Texas and North Carolina, the Cash Price is the price we charge for a cash sale of the item. The Cash Price may be higher than the cash price you would pay if you were to purchase the item directly from the merchant shipping the merchandise on FlexShopper and/or affiliates behalf. If approved by another payment option provider the cash price is the invoice amount of the item excluding taxes, shipping and other fees.

5 Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with not so perfect credit get goods they want through a payment offer that works for you.

7 An initial payment or security deposit and/or payment may be required before fulfillment.

8 If approved by FlexShopper customers that reside in Florida, Texas and North Carolina you will own the item(s) and not have to pay any additional amount if you pay the full Cash Price (the Cash Price is the price we charge for a cash sale of the item (or $50 more than the price the merchant you select charges) plus sales taxes and may be higher than the price you would pay if you were to purchase the item(s) directly; if you rent multiple items at the same time, we reduce the Cash Price (and increase the Cost of Rental) by $50 for the second and each subsequent item you rent, which makes it less expensive to purchase the items before the end of the term of the Lease). After 90 days, you also have an Early Purchase Option that allows you to own your item(s) for less. Simply refer to the table in your Lease to look up the Early Purchase Option amount after each payment date. If approved by another payment option provider please refer to the terms and conditions of your agreement.

9 All lease/loan decisions and rates and terms are subject to approval pursuant to underwriting criteria related to the applicant’s credit quality. Rates and terms may also vary depending upon the state where you reside.