Is there any known over the counter creams that cures nail fungus if yes how is it going to work if the fungus is under the nail the cream wont reach under the nail?

There are several over-the-counter (OTC) creams available for treating nail fungus. These creams usually contain antifungal agents such as clotrimazole, miconazole, terbinafine, or undecylenic acid. These agents work by inhibiting the growth and reproduction of the fungi responsible for the infection. Note that OTC creams may not be effective in treating all cases of nail fungus.