This must have item this year.. look at the shoes that they wears. you can use this shoes for casual or formal. i look at from some shop and i found this below type of loafer. this is good, you can combine it with the dress or pants.. lets take a look.
for some loafer, the put studded for ornament so its looks cool!
you can buy it at http://www.nastygal.com/shoes_flats/
and above is from top shop, http://www.topshop.com/ . with plaid pattern and hound-stood its also suitable for your casual look.
this is from forever 21, simply col, with silver looks and studded make it looks glamorous.
and dont forget to check with zara also. they have good design and looking. one of my favorite.. :)
go and grab that you need..