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Rapid development of financial technology has contributed to the growth of the financial sector in Indonesia, as seen by the increasing number of peer to peer (P2P) lending providers, including those that provide sharia-based services. However, compared to conventional P2P lending providers, growth of Islamic P2P lending tends to lag behind. This condition contradicts with the fact that Indonesia has many potential users due to the large Muslim population, including the Muslim millennials who are more tech-savvy and thus are prospective users of financial technology. By using The Unified Theory of Acceptance and Use of Technology (UTAUT) 2, this research aims to analyze factors which influence the behavioral intention of Muslim millennials in using Islamic P2P lending. By using Structural Equation Modeling (SEM) analysis, the results show that performance expectancy, social influence, price value, religiosity and trust in the platform were found to be significant determinants of behavioral intention to use Islamic P2P lending platforms. On the other hand, effort expectancy, facilitating condition, and perceived risk were not found to be significant determining factors. In addition, this research also investigated further whether there are differences between two groups of respondents, namely previous users of Islamic P2P lending, and those who have not used it. Significant differences were found, specifically regarding performance expectancy and the price value that is perceived.