In reply to leeoftroy:
Treatment depends on killing, or at least containing, the fungus while the nail grows out so takes time. Not treating is also an option, as Jon says, if its not getting worse.
Oral meds are more likely (but not 100%) to work, but take time and there is a small but significant risk of some serious side effects (liver toxicity is the most common serious complication). Worth using if extensive infection or not responding to other treatment.
Topical treatment does work and if it were me I'd try this for a good amount of time (weeks-months) first especially if the infection is limited to one nail. Creams are probably not superior to nail paint but some people find them more convenient. Nail paints aren't usually available on the NHS if you want to go to your doctor for a prescription but topical treatments are mostly available over the counter anyway. Worth discussing topical options with a pharmacist.
Patient UK has a reasonably good information leaflet:
http://www.patient.co.uk/health/fungal-nail-infections-leaflet