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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 03, 2026
  • Best Bad Credit Auto Loan Rates in April 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 Apr 02, 2026
  • Best Personal Loan Rates for April 2026

    Get prequalified for the best personal loan rate for you. Use our personal loans marketplace to get a loan for debt consolidation, major purchases and more.

    5 min read Apr 02, 2026
  • Best Debt Consolidation Loans in April 2026

    Explore Bankrate's expert picks for the best debt consolidation loans available and discover how the right rate can help you manage your debts more effectively.

    9 min read Apr 02, 2026
  • Best Refinance Student Loans In 2026

    When you refinance your student loans, you may qualify for a lower interest rate and a different repayment timeline, which could help you save money on interest or lower your monthly payments.

    12 min read Apr 02, 2026
  • Best Bad Credit Loans in April 2026

    While your credit score will keep you from getting a great APR, you can still find interest rates that are much lower than what you’d find on payday loans.

    8 min read Apr 02, 2026