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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

  • M&T Bank Personal Loans: 2023 Review

    With over 1,000 branches on the east coast, M&T Bank offers full-service banking for borrowers who prefer visiting in person.

    6 min read Aug 22, 2025
  • Credit Direct auto loans: 2024 review

    Credit Direct is a personal loan marketplace that lends both directly and through its trusted partner network to borrowers looking for loans.

    5 min read Aug 06, 2025
  • SoLo Funds App

    SoLo funds is best for those that are looking for peer-to-peer lending for smaller loans.

    7 min read Aug 06, 2025
  • MoneyLion Instacash

    MoneyLion’s Instacash feature is a cost-effective alternative to payday loans, as it comes with no fees and you can borrow up to $500 at any time.

    7 min read Aug 06, 2025
  • Affirm

    Affirm doesn't have fees or charge interest on some of its buy now, pay later loans, but it does charge high interest rates if you miss a payment.

    5 min read Aug 06, 2025
  • Regions Bank auto loans: 2024 review

    With about 1,500 branches across the U.S., Regions Bank offers auto loans to drivers who prefer the convenience of in-person communication while still having the option to access their loan online.

    6 min read Jul 18, 2025
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