There's a certain type of loan called no teletrack payday loans. The reason they're called this is because when a borrower applies for such a loan, the payday lender won't use the agency called Teletrack to check their background information. The background info a lender usually checks in such a case typically has to do with the applicant's outstanding loans.
If you have too many outstanding loans and a lender checks your information with teletrack, they won't give a loan to you. It's too risky for them. Teletrack serves a useful purpose for lenders in this regard since they don't have to do the checks themselves. It saves a lot of time and effort.
While Teletrack is advantageous for the lender, it can be a pain for a borrower. People who need cash advances or no teletrack payday loans often can't help but to have a lot of loans at once. It is possible to get no teletrack payday loans though. you just need to find a lender who doesn't use Teletrack.
I have not had a problem with getting payday loans that don't use Teletrack. It's just a matter of searching for them. Usually the big companies use them, but the smaller companies often won't so they can remain competitive. While it's risky for them to offer no teletrack payday loans, they are happy to assume it since they can get more business that way.