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Kellye Guinan

Editor, Personal Loans and Auto Loans
  • 8
    Years of personal finance experience
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. 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 around Chattanooga drinking bubble tea and lounging by the river. 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 Picks

A large pile of money bags
7 MIN READ

8 types of personal loans and their uses — plus 5 to avoid

Personal loans can be a good way to cover one-time expenses or consolidate debt.

A cafe customer sitting by the window in her favorite cafe, using her smartphone and relaxing.
5 MIN READ

Personal loan interest rates in 2025 | Facts and statistics

Interest rates are rising, so what does that mean for your finances?

Couple looks at a car at a dealership
4 MIN READ

Should I buy a new or used car? Here’s how to decide

There are pros and cons of getting the latest model.

Kellye's latest articles

  • Chase

    Chase business loans are available in 28 states, but you'll need to visit a branch to apply.

    9 min read Aug 03, 2023
  • Woman works on business paperwork.

    SBA guarantee fee: Overview and cost

    SBA loans have set interest rates and fees, which are set every fiscal year by the Small Business Administration. Learn what a guarantee fee is and how much it costs.

    4 min read Jun 13, 2025

  • Bank of America

    Bank of America offers a variety of business loans for established businesses with good-to-excellent credit. Check out our Bank of America business loans review for more information.

    9 min read Jul 16, 2023

  • Lendio

    Lendio is a top service that helps businesses find financing for a variety of common expenses. Fill out one application to be matched with 75+ lenders.

    9 min read Aug 23, 2023