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Kellye Guinan

Editor, Personal Loans and Auto Loans
  • 9
    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

  • Best Debt Relief Companies of November 2025

    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.

    21 min read Nov 11, 2025
  • Best RV Loan Rates in November 2025

    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.

    11 min read Nov 05, 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.

    6 min read Oct 30, 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.

    6 min read Oct 30, 2025
  • PenFed auto loans: 2024 review

    PenFed is a credit union that offers loans for new and used car loans, auto refinance loans and lease buyout loans.

    5 min read Oct 30, 2025