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Kellye Guinan

Editor, Personal Loans and Auto Loans
  • 9
    Years of personal finance experience
CD Icon CREDENTIALS
  • Certified Financial Education Instructor®, 2025
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 and Certified Financial Education Instructor®. 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 drinking bubble tea and lounging by the nearest body of water. 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

  • Autopay: 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.

    6 min read May 14, 2026
  • The Best Installment Loans In 2025

    Installment loans let you borrow a fixed sum of money and repay it slowly over time. Check out Bankrate's picks for the best installment loans today.

    9 min read May 14, 2026
  • Best Bad Credit Auto Loan Rates in May 2026

    While a bad credit auto loan is technically no different from a normal loan, you can expect higher interest rates. Bankrate has reviewed and compared the best rates for bad credit auto loans.

    10 min read May 14, 2026
  • Best Personal Loans for Excellent Credit in April 2025

    An excellent credit score comes with many perks, including access to some of the best personal loan APRs available. Explore Bankrate’s expert picks for the best personal loans for excellent credit.

    16 min read May 14, 2026
  • Best Boat Loans for May 2026

    A boat loan gives you the money to purchase a boat. You can use either a loan specific for boats or a personal loan. Bankrate reviewed and compared the best boat loans.

    11 min read May 14, 2026
  • CarMax: 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.

    5 min read May 13, 2026