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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

  • Current Cash-Out Refinance Rates

    Interested in getting a cash-out refinance? Find and compare cash-out refinance rates from Bankrate's wide selection of lenders.

    6 min read Jun 08, 2026
  • SBA business loans

    SBA small business loans are issued by private lenders like banks, CDFIs and nonprofit community lenders. But they’re backed by the federal government and can provide low-interest loans and lines of credit to many types of small business owners.

    14 min read Jun 05, 2026
  • PayPal

    PayPal makes it easy for small businesses to secure business loans. It has a fast approval process and offers a low minimum revenue threshold.

    7 min read Jun 05, 2026
  • PNC Bank Small Business Loans Review

    PNC Bank offers multiple business loans and has over 2,500 retail locations throughout 28 U.S. states and Washington, D.C.

    10 min read Jun 05, 2026
  • The Best Installment Loans In 2025

    Installment loans let you borrow a fixed sum of money and repay it slowly over time. Check out Bankrate's picks for the best installment loans today.

    9 min read Jun 05, 2026
  • TD Bank

    TD Bank offers a variety of business funding solutions to customers within its East Coast service area.

    8 min read Jun 05, 2026
  • The Best Auto Loans of 2025

    Find the right auto loan for your life with our list of the best. Secure your loan online, refinance your existing loan, and more with Bankrate's top picks.

    1 min read Jun 05, 2026
  • Carvana: auto loan review

    Carvana is available to consumers looking to purchase a vehicle on Carvana’s website and have it delivered to their doorstep or using a “car vending machine” in their local area.

    6 min read Jun 05, 2026