This study examines a phenomenon, namely the influence of Social Media Marketing Fintech, Fintech Knowledge, and consumptive lifestyles on interest in making P2P online loans. The increase in online loans favored by the community and spreading to students provides an exciting issue to be studied in this study. Students at a productive age have many advantages from easy access to the internet world, namely with the social media they have, making information readily available. Sources of knowledge can also be taken in various ways. Still, students' interest is weak in the world of literacy, making knowledge about the world of online loans overlap, coupled with the lifestyle of today's students with a wasteful lifestyle. The results of this study indicate a positive and significant influence of social media marketing fintech and fintech knowledge, as well as a significant effect on consumers' lifestyles and interest in using online loans.