A P2P loan can be worth it if:
You want a loan option with less strict borrower requirements.
You only need a small amount of funding, though loan amounts can vary.
You want a fast application and funding process.
You are ok with an online-only application and customer support process.
You don’t need much support in terms of customer service.
The best advantage to P2P loans is that you may get better interest rates than other financial institutions, especially if you have a great credit score.