What is a vehicle service contract and how does it work?
You may not need one if your car comes with a manufacturer’s warranty.
Kellye Guinan is a Bankrate editor. She joined the team in 2024 with seven years of experience already under her belt covering everything from auto loans to debt consolidation. Her journey started the same as most people, with little knowledge of the finance world outside budgeting basics.
Kellye helps others navigate auto and personal loans. At her core, she believes people deserve to make the most of their money and feel confident managing their finances, so she strives to write about personal finance in ways everyone can understand. Her goal is to break down the most complex aspects of personal finance into manageable tips paired with expert advice.
In her free time, she loves studying languages and reading an absurd amount of books. You can often find her around Chattanooga drinking bubble tea and lounging by the river. And yes, she will talk your ear off about the importance of smart budgeting — even when she’s not working.
No one is born with an innate knowledge of finance, but everyone can learn it if they have access to the right tools. She wants to ensure the advice, articles and comparisons she works on are factual without being bogged down by jargon. When we approach difficult topics with empathy and understanding, we succeed.
You may not need one if your car comes with a manufacturer’s warranty.
Prices vary among car lots. Learn what influences price tags beyond the MSRP.
Low monthly payments are attractive, but a long RV loan term can add thousands.
There are two main ways to sell your car online. Find out which is best for you.
A recourse loan determines which assets a creditor can seize if you default.
You can save money if you borrow money wisely.
If you’re refused an auto loan, follow these tips before you apply again.
Yes, you can use a personal loan to buy a car.
You may wonder if you’ll need a down payment to refinance your auto loan.
Take these steps before heading to the dealership and during the test drive.
Cosigning and co-owning are two ways to add a borrower when taking out a car loan.
Here’s how to qualify for a low interest personal loan.
A breach of covenant is the violation of a contractual promise.
A recourse loan determines which assets a creditor can seize if you default.
Making a plan to manage your loan will set you up for success.
Credit-building products can be useful in specific circumstances — find out if yours is one of them.