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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

  • LightStream: auto loan review

    LightStream is an online lender offering unsecured auto loans for new and used car purchases, auto loan refinancing and lease buyouts.

    6 min read Jun 05, 2026
  • Best Bad Credit Loans in June 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 Jun 05, 2026
  • Best Business Checking Accounts June 2026

    Choosing the best business checking account is important for a business. Convenience, not paying fees and an easy way to bank should all be priorities.

    10 min read Jun 05, 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 Jun 05, 2026
  • 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 Jun 05, 2026