What "
fat loss cream" are you talking about? What are the active ingredients? What is the carrier/delivery method? Is it an effective delivery method? By what mechanism does it "purport" to work?
Those are the questions you should answer before you think about buying...well, pretty much ANY supplement.
Most "fat loss creams" are nothing but a diuretic, which will do NOTHING to help you
burn fat. Topical Yohimbine can be effective, depending on the carrier and the type of fatty deposits you are trying to get rid of - but nothing will work if you don't have your diet and training pretty dialed in.