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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

  • Upstart Personal Loans

    Upstart is an online lender founded by former Google employees and lends to those with fair credit.

    7 min read Sep 04, 2025
  • 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.

    5 min read Sep 04, 2025
  • OppLoans

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

    5 min read Sep 04, 2025
  • LightStream

    LightStream has no fees for personal loans and offers very competitive rates. Its loans can be used for nearly anything, including debt consolidation.

    6 min read Sep 04, 2025
  • American Express

    American Express offers personal loans to card members who qualify.

    6 min read Sep 04, 2025
  • Earnest

    Earnest is a loan servicer known primarily for its student loans. Earnest has partnered with Fiona, a lender matching platform, to help borrowers find, compare and choose from qualifying lenders.

    5 min read Sep 04, 2025
  • PenFed auto loans: 2024 review

    PenFed is a credit union that offers loans for new and used car loans, auto refinance loans and lease buyout loans.

    5 min read Sep 04, 2025