P2p way of lending money i think is alot reliable then lending money from the bank,in p2p lending you can talk about the rates of interest and not be forced to pay in huge interest.Compared to bank where you need to pay huge fix interest rate
In the bank loans, you have the options to choose of whether a fixed or flexible rate of interest charge to the total loan amounts.
Or it can be a fixed rate for the 4 years and flexible on the remaining periods. But the common advantages of P2P credit systems is the low on interest rates compare to banks even the credit score you have from the bank records aren't as good.