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Kellye Guinan

Editor, Personal Loans and Auto Loans
  • 8
    Years of personal finance experience
Ribbon Icon EXPERTISE
  • Auto loans
  • Personal loans
  • Bad credit loans
  • Debt management
Education Icon EDUCATION
  • Bachelor of Science in Anthropology, Middle Tennessee State University
  • Bachelor of Arts in German, Middle Tennessee State University

About the author

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.

Kellye wants you to know

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.

Kellye's latest articles

  • CarMax: 2024 auto loan review

    CarMax serves drivers across the country who want to purchase used vehicles. It has recently dove into the remote purchase space, providing drivers with the ease of vehicle delivery and financing all on one site.

    6 min read Jul 18, 2025
  • Capital One auto loans: 2024 review

    Finance a new or used car or refinance an existing auto loan with Capital One. But you'll be limited to its network of dealers.

    6 min read Jul 18, 2025
  • Autopay: 2024 auto loan review

    Online platform Autopay takes the guesswork out of finding an auto loan deal by shopping your information around to multiple partner lenders.

    7 min read Jul 18, 2025
  • USAA auto loans: 2024 review

    USAA is a Texas-based company that serves U.S. military members and veterans, pre-commissioned officers and spouses and children of either.

    7 min read Jul 18, 2025
  • Navy Federal auto loans: 2024 review

    Navy Federal is a credit union that offers new and used auto loans and refinancing solutions for members of the armed forces and qualifying relatives.

    7 min read Jul 18, 2025
  • Credit Direct auto loans: 2024 review

    Credit Direct is a personal loan marketplace that lends both directly and through its trusted partner network to borrowers looking for loans.

    5 min read Jul 18, 2025
  • Caribou: 2024 auto loan review

    Get connected with a lender without handing over your Social Security number. Find out how much you can save each month on your auto loan.

    6 min read Jul 18, 2025