20 CUTE NECKLACES UNDER $20 YOU NEED RIGHT NOW

CUTEST UNDER $20 NECKLACES FOR EVERY OCASSION

Tired of scrolling through endless pages of overpriced jewelry? Dreaming of the perfect accessory that won’t have you munching on instant noodles for the rest of the month? Look no further. We’ve done the digging for you, curating a list cute necklaces under $20 that won’t break the bank. All under $20, these gems (literally!) combine style, versatility, and affordability. Whether you’re dressing up for the office or heading out for a casual brunch, this list has something for every style and occasion. Say goodbye to buyer’s remorse and hello to budget-friendly bling that’ll make you shine.
In the following sections, we’ll delve into why a good necklace makes all the difference, what to look for when shopping on a budget, and, of course, unveil the top 20 necklaces you need to add to your collection right now. Grab your wallet—it’s time for some guilt-free shopping!

THE IMPORTANCE OF A GOOD NECKLACE

Accessorizing isn’t just an afterthought; it’s the cherry on top of your fashion sundae. A well-chosen necklace does more than just sit pretty around your neck—it elevates your entire look, turning a plain outfit into a statement. You don’t need a wardrobe bursting with haute couture when a single necklace can transform a basic tee and jeans into a pulled-together ensemble.

But here’s the kicker: you don’t have to splurge on high-end brands to make an impact with our list of cute necklaces under $20. Forget the notion that you need to spend a fortune for that dash of elegance or a sprinkle of playfulness. We’re here to debunk the myth that style comes with a hefty price tag. Read on as we explore what to look for in a budget necklace, ensuring you maximize style without minimizing your bank account.

WHAT TO LOOK FOR IN A BUDGET NECKLACE

Shopping for jewelry on a budget doesn’t mean you have to compromise on style or quality. With a little know-how, you can score necklaces that turn heads without emptying your wallet. Here’s what you need to focus on when sifting through budget-friendly options.

NECKLACE MATERIAL

Don’t underestimate the power of affordable materials. Plated metals like gold-plated or silver-plated alloys offer the luster you crave at a fraction of the cost. What’s even better is that at Shop LC, you can find genuine gemstone necklaces under $20. Other materials like glass, beads, and resin also provide a range of styles and colors that can suit any outfit.

DESIGN

Current trends play a huge role in necklace design. Geometric shapes, layered strands, paper clip and pendant necklaces are all the rage, and the good news is they come in budget-friendly versions. Don’t shy away from experimenting with different designs; often, it’s the unique, less-expensive pieces that catch the most attention.

VERSATILITY

When dollars are at a premium, look for necklaces that can multitask. Choose cute necklaces under $20 with designs versatile enough to pair with both your work attire and your weekend wardrobe. Layered necklaces, for instance, can look elegant when worn solo and trendy when stacked. Versatility means you’re getting more bang for your buck, making your investment go the distance.

So don’t let a limited budget stifle your style. Stay tuned as we reveal the top 20 necklaces that meet all these criteria and more.

THE TOP 20 NECKLACES UNDER $20

Ready to meet your new favorite accessories? It’s time to unveil the crème de la crème: our handpicked selection of the top 20 necklaces under $20. From everyday elegance to weekend casual, we’ve got you covered for every occasion. Let’s dive in!

EVERYDAY ELEGANCE

1. OMEGA CHAIN NECKLACE

This 316L stainless steel omega chain amps up any outfit with its unique square texture. Crafted with precision, it not only looks luxe but feels comfortable against the skin.

2. MILKY AQUAMARINE STATION NECKLACE

Unleash your vivacious spirit with our 24-inch gemstone station necklace. This stainless steel stunner transcends ordinary bling, serving as the ultimate expression of your unique style and zest for life.

3. WHITE TOPAZ PAPER CLIP CHAIN STATION NECKLACE

Turn heads with this dual-style paperclip and gemstone station necklace. Expertly crafted in 316L stainless steel, this on-trend piece combines meticulous gem placement with the latest paperclip chain craze to elevate your neckline irresistibly.

4. LAPIS LAZULI BEADED PAPER CLIP STATION NECKLACE

Bringing the right amount of shimmer to your necklace, this beaded paperclip necklace is crafted with high precision. If you don’t have one of these yet, we’ve got just the right piece that you can pair with anything to make you stand out. 

5. SHUNGITE BEADED NECKLACE

Elevate your look with our shungite station beaded necklace. Set in a durable chain, sparkling shungite beads in a drill pattern offer a touch of elegance that’s sure to turn heads and draw compliments.

OFFICE CHIC

6. SOLITAIRE PENDANT NECKLACE

Dazzle in timeless elegance with our sky blue topaz solitaire pendant in sterling silver. Skillfully set with four prongs, this oval gem takes center stage, offering a captivating charm that’s as individual as you are. Let the enchantment begin!

7. CURB STEEL NECKLACE

A slight twist on the classic cable jewelry chain types, curb chains are popular in very fine formations and much chunkier variations, ideal for creating statement necklaces. Ideal for work-wear, this chain can add a touch of sophistication to your outfit.

8. PAPER CLIP NECKLACES

The list of cute necklaces under $20 is incomplete without the paperclip trend. Boost your style game with this three-piece paperclip chain set, complete with a 3-row magnetic layering lock. Crafted in hypoallergenic stainless steel, wear them together or solo to suit any occasion. A symbol of unity, this trendy set is your next must-have.

9. RUBY PENDANT NECKLACE UNDER $20

Seeking affordable yet dazzling bling? Discover our lab-created gemstone halo pendant, framed by radiant white zircon. An 18-inch sterling silver chain with a spring clasp holds this cushion-shaped marvel, while romantic heart-shaped openwork adds an extra flair. Don’t let this unique halo pendant slip away!

10. TERAHERTZ AND DIAMOND NECKLACE

Uncover a cosmic gem with our terahertz and simulated diamond pendant necklace. Expertly crafted, this pendant offers otherworldly allure, pairing a radiant terahertz stone with the sparkle of simulated diamonds, all set in a lustrous frame.

NIGHT OUT GLAMOUR

11. RUBY AND ZIRCON PENDANT NECKLACE

Meet your match with our lab-created gemstone halo pendant, encircled by radiant white zircon. Suspended from an 18-inch sterling silver chain with a secure spring clasp, this cushion-cut beauty gets an extra romantic twist from heart-shaped side cutouts. Don’t let this unique halo dazzler pass you by!

12. AMETHYST & ZIRCON NECKLACE

Elevate your style with this 20-inch stainless steel necklace, blending bold gemstones and contemporary metal design. Durable and versatile, it’s destined to be a beloved staple in your jewelry collection. Snag yours now and up your fashion game!

13. AUSTRIAN CRYSTAL PAPER CLIP NECKLACE

Rock the paperclip trend with this 20-inch Austrian crystal necklace, symbolizing unity. Its interlocking design, crafted in polished brass with a secure lobster clasp, adds understated sparkle without overwhelming your look. A modern classic you’ll cherish.

14. GOLDEN SHELL PEARL NECKLACE 

Absolutely, darling! Make a splash with this shell pearl necklace, showcasing rare and radiant hues. Perfect for both casual and glam looks, its roundel accents and gradated drill setting elevate any outfit, wrapping your neckline in unbeatable elegance.

15. CRYSTAL EASTER EGG NECKLACE

Meet our show-stopping Austrian crystal Easter egg necklace. Expertly crafted, its egg-shaped pendant dazzles with high-quality crystals that catch and reflect light. Dangling from a durable, tarnish-resistant chain, this piece isn’t just eye candy—it’s a lasting treasure for your jewelry collection.

WEEKEND CASUAL & VACATIONS

16. SHELL PEARL BEADED NECKLACE

Radiate elegance with this shell pearl beaded necklace, showcasing rare and soothing hues. Perfectly versatile, it complements both casual and chic outfits, making it an unbeatable gift for women of any age. Stand out and shine!

17. RED AGATE BEADED NECKLACE

Don this genuine gemstone beaded necklace in sterling silver and become the envied diva of your clique. A subtle stunner with exotic flair, it’s a must-have you won’t want to overlook. Be cherished and don’t miss out!

18. MULTI GEMSTONE NECKLACE

Add a dash of panache to any look with this beaded paper clip chain necklace. Its sparkling beads pair perfectly with modern paperclip accents, striking a unique balance between classic and contemporary. Shine on!

19. CHAMPAGNE AURORA BOREALIS NECKLACE

Turn heads in this Boho-inspired glass and Austrian crystal necklace. Expertly crafted, it combines vibrant beads and a durable, hypoallergenic metal frame. Flexible and skin-friendly, it’s the ultimate accessory for both casual days and party nights. Keep it chic!

20. ITALIAN 14K YELLOW GOLD OVER SILVER NECKLACE

Boost your style game with this gold plated 14-star chain necklace. Masterfully crafted, its star accents transform a classic chain into a versatile showstopper. A long-lasting treasure for your jewelry box.

STAY STYLISH FOREVER

There you have it, darling—the ultimate guide to scoring budget-friendly bling without sacrificing style. With these cute 20 necklaces under $20, you’re not just making a purchase; you’re making a statement. And remember, the magic truly happens when you master the art of styling. Whether you’re layering like a pro, color-coordinating, or picking the perfect piece for your neckline, a few smart choices can turn affordable necklaces into luxurious staples. So go ahead, doll up your neck without breaking the bank, and let your affordable gems shine just as bright as you do!

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