I'm more of a brogue girl than a loafer girl. Brogues got this "I mean business" sense to them which I like very much. I like that the above brogues (by Church's) merge traditional craftsmanship with modern elements (the gun-metal studs). I'd definitely wear them with black skinny jeans and contrasting socks, that'd be fun.
images via net-a-porter.com and justwood.co.uk. Collage by me