A personal care composition that comprises a sunless tanning active, a surface active, a lipid, and an aqueous phase; wherein the lipid, the sunless tanning active, and the surface active form a lipid phase; wherein the sunless tanning active and the surface active are on the surface of the lipid, within the domain of the lipid, or both on the surface and within the domain of the lipid in the lipid phase. These compositions deposit sunless tanning actives on keratinous surfaces as well as provide improved skin moisturization, appearance, aesthetics and skin feel during and/or after application. The present invention is further directed to a method of using the personal care composition.