Therapists that accept Cash Pay in California

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 212 verified therapists in California who accept cash pay, you can explore therapeutic approaches such as cognitive behavioral therapy, solution-focused therapy, and supportive counseling to address a range of concerns, including anxiety, depression, and ADHD. Each Grow Therapy-verified therapist that has a cash pay option listed below is currently welcoming new clients and has availability soon, offering you a straightforward path to compassionate, accessible care on your terms.

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Los AngelesSan DiegoSacramentoOaklandSan Francisco

Availability updated: 8/17/2026

$150/session

Open-minded
Authentic
Solution oriented

Specialties

Older Adults
First Responders/Healthcare Workers
Health/Medical Issues
+10
Welcome to my profile. I hope it will help you find a therapist who is a good fit for you. My name is Jon. I have 28 years of experience in the mental health field. I earned my MA in Counseling Psychology with a specialization in Holistic Studies in 2002 and have been a California Licensed Marriage and Family Therapist since 2009. Before becoming a therapist, I worked as a dishwasher, forklift driver, small business manager, and completed an internship with the United Nations. I have lived and worked overseas and across the United States, collaborating with people from many different backgrounds. Like many, I have faced cancer and other significant life challenges. I went back to college later in life because I wanted to help young people and their families build better futures. I chose a holistic approach because I believe in working with the whole person — mind, body, feelings, relationships, history, and spirit. I spent 15 years supporting youth experiencing significant emotional and behavioral challenges and their families. I also worked with adults in community settings. For the last 13 years, my primary work has been with incarcerated adults. These experiences have taught me about shame, redemption, resilience, and dignity. I have witnessed people at their lowest points and seen their remarkable capacity to change, heal, and rebuild. All of this has convinced me that people are always more than the labels they carry or the worst things they have experienced. I believe every person is worthy of being heard and treated with dignity and respect — and that change, growth, and transformation are possible for everyone.
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$140/session

Warm
Authentic
Open-minded

Specialties

Older Adults
Anxiety
Depression
+9
Listen. People start to heal the moment they feel heard. ~ Cheryl Richardson I have practiced in this field for over 35 years helping clients from all walks of life. I have worked with those dealing with depression and anxiety, grief, low self esteem, addiction, personality disorders, ptsd and trauma. Experienced and seasoned, I utilize a strength based collaborative approach to help you understand, explore and address any concerns and challenges. I start by listening, truly listening to you as you feel comfortable sharing your experiences, thoughts, feelings and the truth of being you. As you feel more comfortable, you may begin to let us both into your world, to explore and embody your true self. There is a voice that doesn’t use words — Rumi
VirtualAvailable
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$135/session

Warm
Direct
Holistic

Specialties

Older Adults
Chronic Illness
Life Transitions
+5
I am a Licensed Marriage Family Therapist with fifteen years of experience working with adolescents, adults and seniors. Fundamentally, I am an Interpersonal Therapist, my approach is client-centered and solution-focused, while the main modalities that I use in my practice are Dialectical Behavior Therapy and ACT. I specialize in working with adults and older adults in recovery from substance abuse/addiction, adjusting to changes in physical health, relationships, grief and end-of-life. I firmly believe that everybody has innate worth and potential to discover, recover, and heal, which is enhanced and refined within the safety of a non-judgmental therapeutic relationship. As a therapist, I offer you my reflection, understanding, perspective, evidence-based interventions and patience while we process your thoughts, emotions and sensations together
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$180/session

Authentic
Empowering
Warm

Specialties

Older Adults
Anxiety
Coping Skills
+10
Welcome and thank you for considering me in your wellness journey. I'm Ekaete Ekpo, a licensed marriage and family therapist (LMFT) with over a decade of experience providing psychotherapy. I bring warmth, care, compassion, and a nonjudgmental presence to our work together, tailoring therapy to your goals and the unique needs of each client. We'll build insight and practical tools.
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$180/session

Warm
Authentic
Empowering

Specialties

Older Adults
Anxiety
Depression
+9
Hi, I’m Ange. I help people who are stressed, stuck, or just plain worn out from trying to hold it all together. My style is pretty down to earth. Some days we’ll get into the deep stuff, other days we might laugh about how messy life can be. I also speak Cantonese and Mandarin, so you can show up in whatever language feels most natural.
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$100/session

Warm
Authentic
Humorous

Specialties

Older Adults
Depression
Grief
+7
I am a caring and empathetic therapist with thirty years of experience working in county mental health. You may feel weighted down by depression, grieving a significant loss, or struggling to adjust to a major life change. Perhaps you feel exhausted, unmotivated, disconnected from others or unsure of how to move forward. You may also experience significant changes in your mood that make it difficult to feel stable or like yourself. I provide warm, compassionate therapy for adults experiencing depression, grief, life transitions, anxiety and other mood related concerns. Together we will work to understand what you are experiencing, strengthen your ability to cope and identify realistic steps towards feeling more stable, connected and hopeful.
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Often rebooked

$150/session

Warm
Authentic
Open-minded

Specialties

Older Adults
Anxiety
Peer Relationships
+10
I’m a trauma-informed therapist who helps adults heal from anxiety, trauma, burnout, and painful relationship patterns using EMDR therapy and a mind-body approach. Many of my clients come to me feeling stuck in cycles of self-doubt, overwhelm, or disconnection, appearing “fine” on the outside while feeling anything but on the inside. My goal is to create a safe, grounding space where you can explore what’s beneath the surface, release what’s been weighing you down, and reconnect with the most authentic version of yourself. Eye Movement Desensitization and Reprocessing (EMDR) is at the heart of my work. It’s an evidence-based therapy that helps the brain reprocess distressing memories so they no longer carry the same emotional intensity. Through gentle bilateral stimulation (such as eye movements or tapping), the mind can integrate painful experiences in a more adaptive way. Clients often describe EMDR as life-changing- it allows healing to occur on a deeper, neurological level, often when talk therapy alone hasn’t been enough. My style is collaborative, intuitive, and compassionate. I’ll meet you exactly where you are, while gently challenging patterns that no longer serve you. Together, we’ll help you feel safe in your body, clear in your mind, and at peace within yourself.
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$100/session

Intelligent
Warm
Authentic

Specialties

Older Adults
Grief
Health/Medical Issues
+10
I offer a supportive, nonjudgmental space where you can explore your struggles, process emotions, and move toward healing. My approach blends evidence-based practices such as cognitive behavioral therapy (CBT), mindfulness, and trauma-informed care with warmth and empathy, so our work together feels both practical and deeply personal. Clients often share that they appreciate my approachable style and the balance I offer between genuine listening and concrete strategies.
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Often rebooked

$125/session

Direct
Warm
Intelligent

Specialties

Older Adults
Depression
Life Transitions
+6
I'm a Licensed Marriage and Family Therapist who provides compassionate, evidence-based therapy using a holistic, trauma-informed approach. I understand that beginning therapy isn't easy, even for those who have previous experiences. I will take the time to ensure you feel comfortable and hear your story to help through any challenges that may be contributing to depression, anxiety or relationship concerns!
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New to Grow

$175/session

Specialties

Older Adults
Anxiety
Family Conflict
+6
If you are looking for an interactive, honest, and approachable therapist, welcome. I bring humor and real-world warmth to our sessions, and I love working with clients who are ready to engage and do the work to improve their lives. Together, we'll build a non-judgmental, collaborative dialogue focused on helping you heal, work on goals and grow at your own pace. We will set clear goals together, but we will also adapt as your needs shift. I am here to partner with you, talk with you and find read solutions.
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$100/session

Authentic
Warm
Empowering

Specialties

Older Adults
Anxiety
Depression
+10
I am a licensed therapist who believes that meaningful change begins when we slow down and meet ourselves with curiosity instead of judgment. My path to this work wasn’t linear; I spent fifteen years in a different career before making my own midlife transition to mental health a decade ago. That experience taught me firsthand the courage it takes to reinvent yourself. My clinical foundation was forged in community mental health and crisis work, where I had the privilege of working with a beautifully diverse cross-section of people—including LGBTQIA+ individuals, neurodivergent folks, elders and other marginalized communities. This rich background has shaped me into a practitioner who values inclusivity, honors identity, and meets every client exactly where they are in their healing journey. See my website Returning Presence for more info about my approach and background.
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$100/session

Direct
Solution oriented
Authentic

Specialties

Older Adults
Anxiety
Coping Skills
+9
Hello, I am an older adult who came to this career after a long career in the non-profit sector. Over the years, I have worked with a wide variety of clients with a wide variety of issues and circumstances. The bulk of my previous experience in the nonprofit world was in substance use disorder treatment programs. My training as a therapist includes specialized training for a wide variety of disorders. I am known for being empathic, honest and insightful and a relentless cheerleader for my clients. I am very interactive and I will offer liberal doses of feedback and suggestions. I will provide psycho-education and will look to you for feedback about how you are feeling about the therapy. We will address the therapy as a team. My ideal client is someone motivated to improve their life. I work with clients who can benefit from 1 month to 1 year of therapy.
VirtualAvailable
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$180/session

Warm
Authentic
Open-minded

Specialties

Older Adults
Family Conflict
Self Esteem
+10
I am honored to be on this journey with you in therapy. I am a therapist who believes that healing begins with feeling seen, safe, and understood. My approach is gentle, compassionate, and grounded in curiosity--never judgment. I create a space where you can slow down, breathe, and explore what's been heavy at your own pace. Whether you're navigating past trauma, burnout, or a season of change, my goal is to help you reconnect with your sense of self and feel more at peace within. In our work together, you'll find warmth, understanding, and a space that honors your story.
VirtualAvailable
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$130/session

Authentic
Empowering
Solution oriented

Specialties

Older Adults
Career Counseling
Chronic Illness
+10
Having a hard time getting through the day? Struggling to cope in areas that others make look "Easy"? I have years of personal, professional and social experience in helping people who feel this way. As a clinician I focus on mindfulness and internal growth. My mission is to reach as many people as possible who may be suffering in silence and/or don't feel heard. I hope that through strong professional support my clients can make and achieve their goals. My desire is to assist those who work with me in living their best emotionally healthy lives.
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$150/session

Authentic
Warm
Open-minded

Specialties

Older Adults
Addiction
Anxiety
+10
California State University Stanislaus of Social Work, Master's in Social Work License LCSW# 76744 23 Years of experience Hello! My name is Robert Garza, LCSW Bi-lingual. I have over 18 years of experience working with clients ranging from early childhood, adolescence, children/families, adults, and end-of-life care. I have always viewed my professional career to learn as much as possible and be able to impact the largest number of people in need of support, counseling, therapy, and a safe space. I have worked in educational settings, healthcare settings, and clinical settings. I was born in Corcoran and raised in Central California. I currently reside in Rocklin CA, and enjoy horseshoe pitching, long walks, the ocean, and family and friends. My historical area of focus ranges from challenges in school to overcoming childhood traumas, depression, anxiety, social isolation, and conflict within family units. These are common things that we all face as we grow and evolve into our adult selves.
VirtualAvailable
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Often rebooked

$250/session

Empowering
Warm
Authentic

Specialties

Older Adults
Spirituality
Trauma and PTSD
+7
Hello, I’m Dr. Oceana Free, PhD, LMFT, with 25 years of experience working in mental health, providing therapy to adult individuals in California. I specialize in trauma, spirituality & women’s issues, with a clinical focus on grief, heartbreak & life transitions. My work welcomes spirituality & faith for those who wish to bring their Christian or Catholic beliefs as a companion to the therapy process. My work is depth-oriented & integrative, drawing from psychodynamic & faith-based approaches to support meaningful, lasting change. I believe therapy works best when it is grounded in respect, dignity & compassion, honoring your values, culture & faith. I work to empower clients with intentional, individualized care- while offering space for suffering to be held & transformed.
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$150/session

Authentic
Empowering
Warm

Specialties

Older Adults
Anxiety
Grief
+8
Hi, hello, howdy! Fancy seeing you here. I suppose this is the part where I share if you'd be my "optimal client" but I would rather let you decide if you feel like I would be your “optimal" therapist. My therapeutic focus is increasing awareness of environments and everyday situations, opening one’s perception of life choices, and intensifying feelings of empowerment and liberation in our work together. My ACT/Solution- Focused style is interactive and fun while honoring my client’s relationships, helping them discover what is truly needed from these relationships and inspiring them to live authentically. I am a California Licensed Marriage and Family Therapist with over 5 years of experience in providing mental health services. I have a B.S. in Social Work from Sacramento State and an M.A. in Marriage and Family Therapy from University of San Francisco. I am certified in Mental Health Nutrition via PESI, and have training in Dialectical Behavior Therapy, Cognitive Behavior Therapy, as well as Trauma Focused-CBT. I’ve had the privilege of working in community mental health (2 years), a group practice setting (2 years), and in a university health center (currently for over 1 year now) with a very wide variety of age ranges, presenting concerns, and communities. I feel that these experiences have given me a broad and rich overview of the human experience across the lifespan and have made me a better practitioner. Currently, I am an LMFT at CSU Sacramento in their health & wellness center on-campus supporting college students with their mental health, and conducting telehealth private practice via Grow during the evenings Monday-Thursday. In my free time I enjoy international travel with my Husband & going to live pop music concerts
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$180/session

Authentic
Direct
Humorous

Specialties

Older Adults
Anxiety
Depression
+6
I provide straightforward, collaborative therapy for adults and adolescents who are ready to actively engage in the process. My style is warm, direct, practical, and grounded in the belief that therapy involves work both in and outside of sessions. I help clients navigate anxiety, depression, trauma, relationship patterns, boundaries, life transitions, and self-esteem while building skills they can actually use in everyday life.
VirtualAvailable
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Often rebooked

$250/session

Authentic
Direct
Solution oriented

Specialties

Older Adults
Anxiety
Depression
+10
I am a licensed clinical psychologist in California with near three decades of experience. I specialize in working with individuals facing depressive disorders, bereavement and grief, self-esteem issues, anxiety and those navigating life transitions. I have a genuine curiosity about people and deeply appreciate their uniqueness. My open mindedness and empathy allows me to connect with clients, creating a supportive environment that respects and honors the distinct experiences of each individual. When you feel sad, isolated, misunderstood, and you struggle with issues related to self worth, experience excessive worry, or when you experience losses in your life, therapy can offer you support so that you could find meaning in those experiences, and ultimately live a more fulfilling life.
VirtualAvailable
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$95/session

Authentic
Intelligent
Warm

Specialties

Older Adults
Trauma and PTSD
Addiction
+8
I am a Licensed Professional Counselor (TX LPC #88209, CO LPC#0024066) and Licensed Professional Clinical Counselor (CA LPCC #16170) based in Dallas, TX with over 15 years experience in mental health and recovery-oriented work. I dedicate my practice to helping individuals navigate life's complexities and find their own path to well-being. My approach is warm, collaborative and tailored to your unique needs. I believe that counseling is a partnership, and I provide a safe, non-judgmental space where you can explore your thoughts, feelings, and experiences at your own pace. My goal is to empower you to build resilience, cultivate self-compassion, and create a life that feels authentic and meaningful to you.
VirtualAvailable
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$100/session

Authentic
Intelligent
Warm

Specialties

Older Adults
Depression
Life Transitions
+2
Greetings. I’m David Joel Miller, licensed in California as a Marriage and Family Therapist and a Professional Clinical Counselor. Before entering private practice, I worked as a substance abuse counselor and for my local County Behavioral Health. I specialize in helping clients navigate life’s transitions and overcome depression, anxiety, and substance use disorders. After working as a substance abuse counselor and then a marriage and family therapist, I also completed the requirements for licensure as a professional clinical Counselor. I am also a certified life coach. I think of myself as an indoor mountain climber. I don’t like getting out in the cold and rain, but I do like taking on new challenges. I read a great deal and have learned a lot, but I continue to learn more things each day. Like most people my age, I have the frustrations of coping with technology. But one of my interns taught me how to answer texts, and now my younger family friends are teaching me how to use iPads and streaming videos. I hope that these experiences give me some insight into how things are changing and how some things don’t change at all. I’d like to accompany you as you try to work through your life challenges.
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$175/session

Warm
Empowering
Authentic

Specialties

Older Adults
Anxiety
Trauma and PTSD
+9
Welcome. If you are seeking relief from anxiety, the effects of Traumatic life events, or are on a Spiritual journey to live your life from the place of your True Self, I am committed to helping you get there. I am a warm and compassionate clinician, dedicated to creating a therapeutic relationship where you can build on your strengths and overcome barriers. Whether you've experienced or witnessed abuse, neglect, violence, grief, natural or man-made disasters, major life changes, or more, we can work toward healing and thriving. Together, and at a comfortable pace, we will gain a better understanding of your symptoms and what caused them to take on such a large role in your life. Using evidence-based treatment methods including IFS (Internal Family Systems) and EMDR (Eye-Movement Desensitization and Reprocessing) we can actually heal the underlying cause, thus relaxing current symptoms and allowing you to live your life with calm and confidence, free from internal barriers. It is my honor to assist people from all walks of life find the Calmness, Clarity, Courage and Confidence needed to effectively address life's challenges. I am a Licensed Clinical Social Worker and hold certification in Alternative Dispute Resolution/Mediation. My educational focus was social work in Indigenous communities and I have considerable experience working with folks who have been in the foster-care system. It is always my aim to affirm and be allied with BIPOC and LGBTQI2S+ individuals and communities. "We live most of our life in our head, let's make it a peaceful place" - Buddhist teaching.
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$150/session

Warm
Authentic
Intelligent

Specialties

Older Adults
Anxiety
Coping Skills
+7
Hello, I’m Noemi, a Licensed Marriage and Family Therapist with over 20 years of experience supporting children, adolescents, adults, and families. I strive to create a warm, supportive, and nonjudgmental space where clients feel heard, respected, and empowered. My approach is collaborative and culturally sensitive, helping clients identify strengths, develop coping skills, and work toward meaningful change. I have experience working with anxiety, depression, trauma, life transitions, relationship challenges, and behavioral concerns. I am bilingual in English and Spanish and provide culturally responsive care to clients across diverse backgrounds.
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$150/session

Warm
Authentic
Empowering

Specialties

Older Adults
Anxiety
Depression
+4
As a seasoned clinician, I specialize in helping clients find steadiness during times of uncertainty. I bring a mindful, practical, and collaborative style to therapy, helping you slow down, make sense of your experiences, and build the skills and confidence needed to create meaningful change. My goal is to offer a grounded, compassionate space where you can reconnect with your strengths and move toward a life that feels more aligned and intentional.
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$115/session

Warm
Solution oriented
Authentic

Specialties

Older Adults
Anxiety
Depression
+4
Hi my name is Maria Mercedes Giol, I am a licensed Mental Health Counselor in Florida, California, Utah and Washington. I was born and raised in San Juan, Puerto Rico, and completed my Master's in Mental Health Counseling in Miami, Florida. I have lived in sunny (sometimes Florida, lol ) for 29 years and I am a devoted mother to a 17-year-old son and 1 small dog. I enjoy boating with my family, watching sunsets, hiking, bicycling, singing, and making homemade soaps.
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Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in California. We want you to find the best fit, therefore, Grow Therapy shows available therapists across California from San Francisco to San Diego! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in California.

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need. For example, your selected specialty, Older Adults, is filtering therapists in California that work with patients with similar concerns.

Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs. Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center.Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.