How to buy bitcoin cash with fiat (useable within one day) without paying a 4% fee?? Small purchases not wire transfers. ($100-200)

Want to buy bitcoin cash quickly without paying a 4% fee to do so. It needs to be useable meaning its not stuck on an exchange and I can move it around freely. Looking for options and I haven't found any. Open to any suggestions because Google is not giving me any answers.

submitted by /u/lopokoko
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source https://www.reddit.com/r/btc/comments/bq6k3l/how_to_buy_bitcoin_cash_with_fiat_useable_within/