Technological advancements continue to expand and penetrate various sectors, including the opening of different digital platforms in the financial technology industry or fintech. Under fintech, Peer-to-Peer lending (P2P) emerged to address the growing demand for a convenient borrowing and an avenue to invest, offering an alternative to traditional platforms like banks. In P2P, lenders and borrowers are directly connected via website or an application. This study evaluated the influence of trust and user innovativeness on the attitude and behavioral intention of millennials in Lipa City towards the adoption of P2P lending mobile applications. With the aid of regression analysis, results of the research showed that trust and user innovativeness have a significant influence on the attitude of the respondents. Also, a significant influence of attitude was revealed towards the behavioral intention of millennials to adopt P2P applications. Thus, the study recommends P2P website and application developers to focus on incorporating features and strategies that prioritize trust-building measures and foster user innovativeness.