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At the Tower Modeling Agency in New York City, unemployed Nicole de Cortillon, a former Parisian, lies her way into the office of the boss, Mr.  Wright.  She leaves angrily, however, when he offers her a job posing in the nude for an artist.  Moments later, Nicole thinks better of the paying position and grabs what she believes is the job's address from Wright's desk.  After arriving at the office of advertising executive Jim Trevor, she starts to undress.  Jim suspects her of trying to set him up for a blackmail scheme and when Nicole realizes that he is not the photographer, she flees.

Nicole then learns that her landlady has locked her out for being behind in the rent.  Another lodger, Gloria, takes in Nicole and introduces her to Mike, a friend and waiter at the Savoy Grand Hotel.  Mike has saved $3,000 to buy a restaurant of his own, but still needs another $2,000.  Gloria believes that the only job for a woman is marriage and persuades Mike to invest his savings to establish the beautiful Nicole as a rich, eligible girl in the hope that she will capture and marry a wealthy man.

With Gloria impersonating Nicole's aunt and chaperone, Mike arranges for her to take a room in the Savoy across from multi-millionaire William Jerome Duncan.  Nicole pretends to mistake Bill for a childhood friend, kissing him, then withdraws in shame as the "error" is realized.  Bill is enchanted by the beautiful woman and takes Nicole and Gloria to the opera.  There, he encounters his old friend, Jim, who recognizes Nicole.  At a celebration afterward, Jim threatens to tell Bill how he met her, but she lies to explain the situation and make Bill jealous.  Jim, believing Nicole only wants to marry and divorce Bill to receive alimony, locks her in his apartment, but she outsmarts his butler, Rigley, and escapes.

As Bill celebrates his engagement to Nicole by introducing her to his enormous family, Jim enters, and the two men quarrel.  When Nicole follows Jim to his car, he abducts her and takes her to his cottage in the country, where the caretaker mistakes the couple for newlyweds.  Finally, Nicole tells Jim the true scheme and says that she has fallen in love with him, but he still believes the worst of her.  Nicole takes the milk truck back to the city.  Bill, fearing a breach of promise suit, agrees with Mike's plan to send Nicole back to Paris, for which Mike receives $5,000.

After Bill brags that he has escaped cheaply, Jim tells him he is going to marry Nicole.  Jim meets Nicole on a ship and arranges for a wedding at sea.