# Naomi Ashby — Senior Personal Finance Writer | MeridianWallet > Naomi Ashby is a Columbia-trained personal-finance journalist with 10 years at Bankrate and NerdWallet covering subprime credit, EWA, and gig-economy finance. Источник: https://nimblepayday.com/authors/naomi-ashby/ --- # Naomi Ashby Senior Personal Finance Writer at MeridianWallet. Columbia-trained journalist with 10 years covering subprime credit, earned wage access, and the financial mechanics of the gig economy at Bankrate and NerdWallet. NA **Naomi Ashby** · AFCPE accreditation in progress **On this page** Biography Credentials Areas of expertise Articles reviewed Conflicts of interest Contact ## Biography Naomi Ashby is a Senior Personal Finance Writer at MeridianWallet, where he authors voice-of-customer narratives, comparison content, and explainer pieces. He earned a Bachelor of Arts in Journalism from Columbia University in 2015 and is currently completing the AFCPE Accredited Financial Counselor (AFC®) coursework. Naomi spent the first five years of his career as a staff writer at Bankrate, covering credit cards, personal loans, and the early growth of online installment lenders. He produced multi-part reporting series on rent-a-bank arrangements and the rise of fintech lenders targeting subprime borrowers — work that drew citations from CFPB staff and consumer-advocacy researchers. In 2020 he moved to NerdWallet as a senior writer on the loans team, where he led coverage of bad-credit lending, earned wage access apps (EarnIn, DailyPay, Dave, Brigit), and the financial squeeze on rideshare and delivery workers during and after the pandemic. He interviewed more than 300 borrowers across four years and built a regular column on gig-economy household budgeting. Naomi joined MeridianWallet in 2025 to put the same reader-first, comparison-driven approach to work on a site dedicated specifically to small-dollar lending. His editorial focus: making sure pages serve real readers in real situations — without jargon, without the false comfort that fuels bad decisions, and with the cheaper alternative always one click away. ## Credentials **BA Journalism** Columbia University · 2015 **AFCPE Accreditation** In progress · Expected completion 2026 **Years of experience** 10 years in personal-finance journalism (Bankrate, NerdWallet) **Interviews on file** 300+ borrowers and consumer-finance staff ## Areas of expertise - **Bad-credit lending** — subprime installment, secured loans, credit-builder products - **Subprime credit** — second-chance cards, refundable security deposits, fee structures - **Earned wage access (EWA)** — employer-integrated vs. consumer-direct, tip mechanics, true cost - **Gig-economy finance** — irregular-income budgeting, 1099 tax holdback, EWA dependency - **Voice-of-customer reporting** — borrower-narrative reporting and ethnographic interviews ## Articles reviewed by Naomi Naomi authored or contributed to: - [15 Payday Loan Alternatives Ranked by Cost](/other-options/) - [What is a Payday Loan? Plain-English Explainer](/guides-center/what-is-a-payday-loan/) - [Payday Loans Online — Compare 23+ State-Licensed Lenders (2026)](/payday-loans/) - [Payday Loans in Texas: Laws, Rates, Limits & Alternatives](/state-guides/texas/) ## Conflict of interest disclosure **Disclosure.** Author owns no securities in companies covered. Compensated by MeridianWallet salary; no per-loan referral incentives. No active freelance contracts with lenders, lead generators, or debt-relief firms. Past employer relationships (Bankrate, NerdWallet) disclosed to the editorial board; recused from any review that touches a former direct client. ## Contact For story pitches, source introductions, or interview requests, contact editor@nimblepayday.com. #### About our authors Every MeridianWallet page is bylined by a credentialed author and signed off by a separate reviewer. [See all 6 authors](/authors/) --- #### Editorial standards [Read our editorial policy →](/editorial-policy/) [Fact-checking process →](/fact-checking-policy/) [Corrections log →](/corrections/)