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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

  • RateGenius auto loans review

    Get access to a network of 150 lenders - but be mindful of limitations that could keep you from qualifying.

    5 min read Aug 21, 2026
  • PenFed auto loans review

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

    6 min read Aug 21, 2026
  • Navy Federal auto loans 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.

    6 min read Aug 21, 2026
  • myAutoLoan review

    MyAutoLoan is a connection service that can pair you with up to four lenders to take out an auto loan or refinance an existing one.

    6 min read Aug 21, 2026
  • LightStream: auto loan review

    LightStream is an online lender offering unsecured auto loans for new and used car purchases, auto loan refinancing and lease buyouts.

    7 min read Aug 21, 2026
  • Capital One auto loans 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 Aug 21, 2026
  • Auto Approve Auto Loans Review

    Finding the right refinancing loan requires you to weigh your current loan terms and rates against new ones. Auto Approve streamlines this process by handling the heavy lifting.

    6 min read Aug 21, 2026
  • 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 Aug 21, 2026