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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

  • 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
  • Navy Federal Personal Loans

    Navy Federal personal loans are best for current members of the credit union and borrowers who meet the membership requirements.

    5 min read Aug 19, 2026
  • First Tech Personal Loans Review

    First Tech offers a range of unsecured and secured personal loan amounts to members and employees of big tech companies.

    6 min read Aug 19, 2026
  • Fifth Third Bank

    Fifth Third Bank personal loans stand out for its flexible loan repayment terms and high loan amounts.

    4 min read Aug 19, 2026
  • A scale balancing a house and money

    What is a loan-to-value ratio?

    It’s a comparison calculation that’ll determine if you’ll get a loan, and the interest rate you’ll pay.

    5 min read Jul 31, 2026
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