Mathilde Loisel
A beautiful woman who yearns for a life of luxery and wealth. When she is invited to a fancy party, she borrows a necklace from her wealthy friend Madame Forestier because she refuses to go to the party without expensive jewels and a beautiful gown. After a night of happiness, during which she immerses herself in the life of glamour that she believes she deserves, she spends the next ten years paying for her fleeting happiness as a result of losing the borrowed necklace.
Monsieur Loisel
Mathilde's devoted husband who is content with his humble lifestyle. He finds it completely incomprehensible that Mathilde does not accept their lifestyle; nonetheless, he appeases her desires for glamor and fun because he wishes for her to be happy.
Madame Forestier
Mathilde's wealthy friend. Every time Mathilde visits her, Mathilde is consumed with jealousy. Madame Forestier lends Mathilde the necklace for the party; eventually, we discover that the necklace contained fake diamonds.
George Ramponneau and Madame George Ramponneau
George Ramponneau is the Minister of Public Instruction, a superior of Monsieur Loisel. This married couple throws the party that the Loisels attend.