I need to top up my VPN and VPS subs until the end of the month and they only accept on-chain (even if they accepted LN, I'm running low on LN funds). I don't want to pay 30 dollar fees for 5 dollar payments. Where can I buy Monero p2p non-kyc directly for fiat (no btc swaps)?

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I'm running into same issues within next two weeks, too.. As far as VPN providers concerns, I'm fine. IVPN accepts lightning. Recently I discovered how to top up mulvad with lightning. Regarding my vps servers, my vps providers accept btc on-chain only. I don't want to pay 5 US$ vps bill and 30 US$ in fees. I'm on the search for vps providers accepting lightning. I know lunanode, but they offer vps in Canada only if I'm not mistaken. I'll keep searching.