The problem that others have stated about how if you scratch the skin and the color comes off... that happens with any self tanner if you don't exfoliate REALLY WELL before applying. Especially your knees, ankles, and elbows. Because you're not really scratching the color off- you're scratching that outer dry layer of skin that soaked up all the color. Learned that one the hard way.
I still lay out from time to time but mostly I use self tanner. I use two--one is a cheap walmart brand one that smells like creamsicles and the other is from Victorias Secret. It instantly bronzes you and works AMAZINGGGG. Doesnt smell either, it actually smells like oranges (so it works well mixing the two). The only con about the VS one is that its only available from like April to Julyish
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My only issue with the Jergen's lotion (and the reason I stopped using it) is that it fluoresces under a black light! I was at a party once and was kind of amused to see that my skin was literally glowing orange. As long as you plan on avoiding raves, it works well enough.
My new go-to product is the Neutrogena Micro Mist airbrush. I start applying it 3-4 days before an event (although i've done it as close as the day before) and try to get in 3 or so coats. It goes on suprisingly even and really works with my skin tone (olive), so it's a product i definitely would recommend.
I used to use Clarins Self Tanning Instant Gel, but found that Loreal Sublime Bronze Gel is basically the same thing. I use this in between my spray tans. My girl uses a Fake Bake spray formula, and it is great for my paleness. I still love to lay out, but now that I have gotten older, I have realized it really is not good for my skin.