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Rhys Subitch

Editor, Personal Loans, Auto Loans, and Debt
  • 9
    Years of personal finance experience
Ribbon Icon EXPERTISE
  • Personal finance
  • Personal loans
  • Debt consolidation
  • Bad credit loans
  • Auto loans
Education Icon EDUCATION
  • Bachelor of Arts in Sociology, University of Washington
  • Certificate in Editing, University of Washington

About the author
Rhys Subitch is a Bankrate editor who leads an editorial team dedicated to developing educational content about loans products for every part of life. Rhys has edited articles, reviews and guides covering a broad range of topics in the consumer loans space, from debt consolidation to buying a car. Their experience spans student loans, auto loans and personal loans, and they have developed a passion for helping readers take control of their finances.

While Rhys has worked with credit cards and insurance in the past, they settled into loans content, where they have developed their expertise. In the past nine years, Rhys has researched, edited and written for several independent publications, startups, a university and a Fortune 500 company. Seven of those nine years have been devoted to personal and business finance content.

When Rhys isn't working, they enjoy spending time editing their husband's art, reading and watching hockey. They currently reside in Tacoma, Washington.
Rhys wants you to know
My first auto loan was from a used car dealership. I didn't fully understand the lending process when I walked in, and because of that I got stuck with a term that was way longer than I wanted to be paying off my starter car. My second time around I did my research, got an excellent rate and a medium term, and I’ve paid off my car well before I want to trade it in.

Your debt doesn't have to be tied to guilt — there are ways to ease it and empower yourself by being strategic about what and when you borrow.

— Rhys Subitch

Rhys's latest articles

  • Apple Pay Later

    Apple Pay Later stands out among other BNPL apps. It doesn't charge APRs or fees and offers unique benefits for those who qualify.

    6 min read Nov 08, 2022
  • Cash advance app review methodology

    Bankrate's editorial team rates cash advance app lenders on a scale of 1 to 5 stars, based on factors that fall under 3 categories.

    2 min read Nov 01, 2022
  • Happy Money

    Happy Money provides online loans with low rates to borrowers solely interested in eliminating high-interest credit card debt.

    7 min read Oct 19, 2022
  • SoFi Personal Loans: 2023 Review

    A SoFi personal loan is great for those with a decent income and good credit. There are no fees and no penalty for paying off your balance early.

    6 min read Oct 19, 2022
  • Discover

    Discover, though known for its credit cards, also offers a range of personal loans with flexible repayment terms, no processing fees and low APRs.

    6 min read Oct 19, 2022
  • OppLoans

    OppLoans is an online lender offering short-term installment loans with fast funding to borrowers who need an alternative to traditional payday loans.

    6 min read Oct 19, 2022
  • Best Egg

    Best Egg is an online lender known for offering borrowers low rates and quick funding, often in as little as one business day.

    7 min read Oct 19, 2022
  • Achieve

    Achieve (formerly known as FreedomPlus) is an online personal loan provider with same-day loan decisions and funding within 24 hours for loans up to $50,000.

    6 min read Oct 19, 2022