It exists, but you have to pick the right flow rather than the right platform. What I look for is whether you can send straight to your own wallet at checkout instead of depositing to the platform first and withdrawing later. That second step is where most of the delays come from. I have been using
buy crypto instantly for a while and the purchase goes through the same way every time: enter amount, paste wallet address, pay by card, and it is sent out as soon as the payment clears, usually within minutes. No holding period on my side, because the coins never sit in an account I have to withdraw from. Worth checking whether a platform works that way before you assume all of them do.