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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

  • Best Bad Credit Business Loans in April 2026

    Having a FICO credit score under 630 can make finding business loans difficult — but it’s not impossible. Find our favorite bad credit business loans below.

    20 min read Apr 13, 2026
  • Best Small Business Loans of April 2026

    When it comes to choosing the best small business loans, our guide can help you compare the best rates and terms available to help you fund your business.

    21 min read Apr 13, 2026
  • Best RV Loan Rates in April 2026

    RV loans allow you to finance the purchase of an RV with a small down payment. Bankrate reviewed and compared rates and terms from the best RV loan providers.

    5 min read Apr 08, 2026
  • Best Student Loans For Bad Credit Or No Credit In August 2025

    Even if you have bad credit or no credit, it's still possible to get a student loan. Bankrate examined lender fees, APR ranges and eligibility requirements to see which lenders kept costs as low as possible for bad-credit borrowers.

    12 min read Apr 07, 2026
  • Best Debt Relief Companies of April 2026

    Bankrate’s list of best debt relief companies is curated with consumers in mind. We look for companies with transparent terms and conditions and that have a well-established and proven track record when it comes to helping people succeed in their path to becoming debt-free.

    20 min read Apr 07, 2026