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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 Student Loans For Bad Credit Or No Credit In August 2025

    Even if you have bad credit or no credit, it's still possible to get a student loan. Bankrate examined lender fees, APR ranges and eligibility requirements to see which lenders kept costs as low as possible for bad-credit borrowers.

    12 min read Mar 10, 2026
  • Best Semi-Truck Financing In March 2026

    Running a trucking business is expensive. A business loan can help you preserve your cash. Check out our picks for the best semi-truck loans.

    15 min read Mar 10, 2026
  • Best Debt Consolidation Loans in March 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 Mar 10, 2026
  • Best Boat Loans for March 2026

    A boat loan gives you the money to purchase a boat. You can use either a loan specific for boats or a personal loan. Bankrate reviewed and compared the best boat loans.

    11 min read Mar 10, 2026
  • Best Bad Credit Auto Loan Rates in March 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 Mar 10, 2026
  • A florist/shop owner smiles as she works on a laptop

    Top 7 business loans for a 500 credit score

    Having a credit score of 500 doesn’t make getting a business loan impossible, but it can be challenging. Check out our picks for best business loans for a 500 credit score.

    10 min read Feb 28, 2026