The best ways to borrow money
You can save money if you borrow money wisely.
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.
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.
You can save money if you borrow money wisely.
If you’re refused an auto loan, follow these tips before you apply again.
Yes, you can use a personal loan to buy a car.
Learn all the warning signs so you can avoid buying a new ride that isn’t legit.
There are five main ways to get out of a car title loan.
Employment isn’t the only income source considered by lenders.
Compare the most common small business loans to find financing for your business.
Learn how to transfer a car title and what to do if the title has a lien on it.
Get in the best position for future financing by staying on top of your new loan.
Find the right lender by doing your research and prequalifying.
When managed well, installment loans can help improve or build your credit.
The interest rate alone doesn’t necessarily tell the whole story about what you owe.
Shopping for a personal loan? Here’s how it affects your credit score.
Make sure you get the right lender for a $40,000 loan.
Before you take out a $20,000 personal loan, be aware of eligibility requirements, where to find one and how to estimate your total costs.
Online platform iLending’s extensive lender network offers some of the lowest starting refinance APRs in the industry.