What you call harassment is part of the Process for better due-dilegence. Most of the processes are created by bodies like RBI that are not-private. And they are bureaucratic and slow. But these same processes also prevent something like subprime crisis.

Unfortunately, when these regulating bodies work fast on policy making - people complain (remember daily demonetization policy changes??).

Getting loans from any bank (private or nationalized) definitely feels like harassment, but try to put yourself in their shoes.

Nationalized banks on the other hand - They have government to back them. So they can actually afford to be a bit wrong and govt will rescue them (from taxpayer's money)

Platforms like Creedy are great - but as an investor I would be worried about lending a larger amount