The image-forming apparatus and an image-forming method of the present invention stably provides a high-quality image having a surface with a uniform gloss value, without reduction in image density, and with good fixability. The image-forming apparatus and image-forming method of the present invention provide are characterized in that white toner or transparent toner is used under the conditions that the storage elastic modulus of the white toner or transparent toner at a saturated temperature in a fixing nip at the time of an fixing step is set to be higher than the storage elastic modulus at a saturated temperature in the fixing nip of each colored toner at the time of the fixing step, and that the storage elastic modulus G'.sub.(T) (W) or G'.sub.(T) (To) at the saturated temperature in the fixing nip of the white toner or the transparent toner at the time of the fixing step is in the range of 1.0.times.10.sup.4 to 1.0.times.10.sup.6 dyn/cm.sup.2.