This study aims to find out how convenience, trust and risk influence the interest in using sharia peer to peer lending with religiosity as a moderating variable. This research was conducted on SMEs in the city of Salatiga. The form of this research is quantitative research using primary data obtained from distributing questionnaires to SMEs in the city of Salatiga. The sample used in this study was 100 MSMEs, the number was obtained by calculating using the slovin formeula. Data is processed using the IBM SPSS statistics tool. Through the analysis of the data that has been done, it shows that: Ease of significant positive effect on interest in using peer to peer (P2P) lending syariah, Trust has a significant positive effect on intention of using peer to peer (P2P) lending syariah, Risk has a positive and insignificant effect on intention to use peer to peer (P2P) lending syariah, Religiosity can moderate the effect of convenience on interest in using peer to peer (P2P) lending syariah, Religiosity can moderate the effect of trust on interest in using peer to peer (P2P) lending syariah, Religiosity can moderate the effect of risk on interest using peer to peer (P2P) lending syariah.