Well as far as i know, how it works is you have to open a payment channel with somebody and then you can transact with them off-chain. So this is peer to peer. You can only send to people you have an open channel with, or if they have an open channel with somebody else, you can send the money through the person you have an open channel with, to that 3rd person.
But it will likely be more efficient if there are big, centralized nodes("hubs"), to which many people connect and then they can transfer between each other through that node(note that this is still completelly trustless. The node is not used to rely trust, but to make the transactions fast and cheap).
My question is actually, could there be a blockchain-based-decentralized-trustless Lightning network node("hub")?