Peer-to-peer lending?  Maybe, maybe not.  From the story: 

Peer-to-peer lending rests on the idea that traditional banking is gummed up by unfair bureaucracy. For one thing, advocates of these sites say, credit scores don’t accurately reflect a person’s ability to pay—people with low credit scores are charged too much for loans even though they may be likely to pay. (This problem has become worse after the financial crisis, when sudden job losses forced even people with high credit scores to default on their loans). There’s also a lack of competition. The only companies willing to lend to people with less-than-stellar scores are credit card firms—whose terms are punishingly variable—and payday loan centers, which charge 400 percent or more in interest on an annualized basis.