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, colorescience.com 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

14k-Yellow-Gold-Ships-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 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) make 52 weekly payments or exercise an Early Purchase Option 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.

2 You will be given a credit for one weekly payment. This credit will be applied to the second weekly payment due, provided your first payment clears. This credit will be removed from your account if your first weekly payment fails. This credit does not apply if you choose to exercise the 90 Days Same as Cash purchase option. All other terms and conditions of your Lease remain in effect. This credit is only valid for online orders.

3 Excluding the marketplace customers that reside in Florida, Texas and North Carolina, 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). However, 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. This makes it less expensive to purchase the items before the end of the term of the Lease. 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’s behalf.

4 Free delivery offer applies to scheduled delivery on select major appliances, furniture, treadmills, ellipticals, exercise cycles, home gyms and outdoor grills. Major appliances include standard size or larger refrigerators, washers & dryers, ranges & ovens, microwaves and dishwashers. Limited metro delivery areas. Additional parts, extensive labor and installation charges are extra. The transit time will vary by delivery address.

5 Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with bad credit get goods they want through a Lease.

6 Find the same item on a one-year weekly lease at another lease-to-own company and we’ll match the other company’s cash price and weekly payment.

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

8 Excluding the marketplace 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.

9 All lease-to-own 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.

This is your estimated weekly payment if you used your entire spending limit. The spending limit is the total Cash Price of the goods you can lease before tax and shipping. The actual weekly payment may vary depending on how much spending limit you use and will be in your Lease. You can make 52 weekly payments or exercise an Early Purchase Option to acquire ownership of the rented goods. In NC, the final payment required to purchase the rented goods will be an amount greater than 10% of the Cash Price.