MNY operates in the credit impaired sector of the lending...

MNY operates in the credit impaired sector of the lending market. P2P would be much more threatening to traditional lenders.

I suspect you would still need a really good credit rating to use P2P, although I haven't checked it out.

In any event, P2P lenders would charge a similar interest rate for people with bad credit anyway because risks are higher.

Take a look at the P2P offerings and see if it overlaps with MNY's space.