It has a very creamy texture and does not settle into my fine lines. I love this product because it covers up my dark circles well and you only need very little of it at a time. Each concealer lasts me approximately two years so it's a steal for the price. I would recommend going over the concealer with some translucent powder to set it and to prevent your eye makeup from running. I am very self conscious about my dark circles, esp. since I usually don't get enough sleep, and this concealer is able to hide it with a few dabs. Would highly recommend!!