First up are these copper oxfords on sale for $29.94. I love the way copper looks, and these read as a richer brown as opposed to a pale yellow like a gold pair would. There is also a pewter color offered!
Next is the only true loafer on my list. This pewter version is made of all man-made materials and is a mere $20.70 at Amazon.
This minimalist pointy-toe silver laceless oxford is my favorite on the list. It's slightly more money than the given budget at $32.80, but the high-shine finish and leg-lengthening powers of the pointy are well worth the extra $2.80, trust me. These would look amazing with a short, flippy sundress, (white) skinny jeans, tailored shorts... so many possibilities!
If you want a more subdued silver, here is a comfy-looking laceless pair for $29.99 at 6pm.
Since summer comes along sooner than you think in the south, you might want to try a perforated version (on clearance for $29.74 at Target!) to help aerate those tootsies. In cooler weather, wear them with brightly colored socks for added visual interest (and comfort!). These also come in gold.
Target also carries a similar pair with laces and a lighter, less shiny silver color. Still for a similar price at $29.99!
Another laced, laser-cut silver oxford, but this one is on sale for $20!
Lastly, I think you should consider a $40 shoe, because with that extra ten dollars, you can can a leather, handmade shoe, and that's pretty rad.
Pony Oxford Basic from Golden Ponies, $40.
They also make a super-cool holographic version in faux leather! You can even decide how holographic you want 'em!
Pony Oxford Holographic Mirror from Golden Ponies, $40.
Hope you find something you like!