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 394 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.

Availability updated: 7/2/2025

Anisha Holden

Anisha Holden, LMFT - California Therapist at Grow Therapy
$125/session
LMFT
9 years of experience
Virtual
Hey there! I'm a young clinician that enjoys aiding clients through major and minor life transitions. I prefer a interactive, conversational style that allows for free flowing rapport building and client comfort through the treatment process. I know that counseling/therapy is not an easy situation to put oneself in, but if I can ease it in any way possible, that is the goal, so that we can focus on what most matters to you.

Sheena Boyd

(she/her)

Sheena Boyd, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$140/session
LMFT
12 years of experience
Virtual
Hello, I'm Sheena. Do you feel like life is always throwing you for a loop? Are you struggling to keep your head above water? Are we losing sight of who we are as a person? I help individuals, families, and couples manage the demands and challenges that life brings. Together, we will identify the causes of your challenges and develop solutions to empower yourself to find life balance. You should have a safe space to openly discuss your thoughts and feelings. Treatment should not be cookie-cutter but individualized to your needs, which is focused on in our sessions. Change is a scary concept in our lives, but it is easier when you have someone with you along the journey. I'll meet you with empathy, compassion, honesty, and evidence-based techniques to allow you to work toward the goals you want for yourself. Let's go on this journey together!

Nelida Padron

(she/her)

Nelida Padron, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$225/session
LCSW
14 years of experience
Virtual
Hi! I'm a California-based Licensed Clinical Social Worker (LCSW) and Certified Diplomate of the Academy of Cognitive Behavioral Therapies. I received my Masters from the University of Southern California and have been practicing for 13 years. I help teens and young adults overcome depression, anxiety, and life transitions. My goal is to inspire my clients to become the best version of themselves by identifying the root causes of their issues and helping them work through them.

Diane L. Foster

(she/her)

Diane L. Foster, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LCSW
22 years of experience
Virtual
I am a Licensed Clinical Social Worker with over 20 years experience and training with individuals, couples and families who want to take charge of their lives. Together we can explore new coping skills, strengthen existing skills to improve relationships, and sharpen communication skills to enjoy harmony in your life. My approach is strength based, non traditional and focuses on your individualized needs. I take an empathetic, common-sense approach to exploring life's problems and guiding you through the issues you are currently facing and the ones you continue to carry from your past.

Clara D'Agostino

(she/her)

Clara D'Agostino, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$200/session
LCSW
30 years of experience
Virtual
Hello, I am a Licensed Clinical Social Worker (LCSW), based in California. I graduated from USC and have been practicing as a mental health professional for over 25 years. Living your best life is possible with the right support. If you are feeling anxious about the future, struggling to communicate, or facing challenges at work and home, you're not alone. You can learn skills to manage anxiety, improve communication and build stronger relationships, both personally and professionally. Many of my clients see real progress in in just a few months. I create a safe space for you to navigate life's challenges with confidence. I'd be honored to support you on your journey and look forward to seeing you GROW.

Kristen Montiel

(she/her)

Kristen Montiel, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$235/session
LMFT
15 years of experience
Virtual
Hi, I'm Kristen Montiel. Searching for the right therapist can be a daunting process when you may already be feeling stressed or struggling. I know it's not easy and I'm so glad you're here! After experiencing my own struggles with family and relationships, I set out to help others who also felt stuck. I have a master’s degree in marriage and family counseling and a doctorate in psychology. With over 15 years of experience, my focus is helping individuals and couples understand themselves and use their own strengths to discover healing, even in the most difficult circumstances. I provide a non-judgmental space where clients can feel comfortable to work through challenges by exploring deep rooted patterns of hurt and disconnect, while developing new perspectives, learning new skills, and creating sustainable changes. I’ve helped hundreds of people find hope and renewed satisfaction in their lives and relationships. I look forward to helping you too!

Dr. Karin Hudson

(she/her)

Dr. Karin Hudson, LP - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LP
23 years of experience
Virtual
"I'm so overwhelmed- I don't even know where to begin." "I don't know who to turn to, but I know I can't keep going like this." "The stress in my life is exhausting, and I just need some peace." If any of this feels familiar, you're not alone- and you don't have to figure it out alone either. Welcome, and congratulations on taking this courageous step toward your growth and healing. I'm a licensed clinical psychologist and life coach in California with over 20 years of experience helping people move through life's hardest moments with greater clarity, strength, and self-trust. Before becoming a therapist, I spent more than a decade as an international AMI-trained Montessori teacher, completing my training in Bergamo, Italy. Originally from Austria, I've called California home for the past 30 years. My approach is rooted in attachment theory and shaped by an existential-humanistic lens. I'll meet you with practical support for what's happening now, while also helping you explore the deeper patterns that may be holding you back. I also draw from acceptance and commitment therapy (ACT), grounding techniques, and mindfulness based practices to help you stay centered and resilient. Nature plays a key role in my work. I integrate elements of ecopsychology, sound healing, guided imagery, and animal assisted work to support nervous system regulation and emotional balance. While listed here as virtual only, I offer a hybrid model: a mix of virtual and in-person sessions in both Santa Rosa and Santa Barbara, CA. If therapy doesn't feel like the right fit, I invite you to explore my coaching website www.consideryourselfcredentialed.com for nature-based life coaching services. I offer support for personal growth, clarity, and meaningful change outside of a clinical setting. You're welcome to schedule a free discovery call to learn more.

James Johnson

(he/him)

James Johnson, LMFT - California Therapist at Grow Therapy
$120/session
LMFT
5 years of experience
Virtual
I enjoy working with individuals, children and couples that are hoping to gain confidence in healthier communication skills. Getting to understand you and getting to know one another will help improve our relationships. This will help recognize where you are hoping to improve your qualities in daily functioning. Building an alliance with me can create a safe place to practice and process your thoughts and feelings. Being able to process your past experience will allow you to identify and process ongoing needs within your daily lifestyle. Therapeutic alliance helps individuals grow within and become aware of their own needs

Kathleen M Fay

(she/her)

Kathleen M Fay, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$200/session
LCSW
22 years of experience
Virtual
Hello and Welcome! I am a social worker who has been in the field for over 20 years. Early in my career, I was fortunate enough to work with a psychiatrist who believed there was more to treating mental health than medication. I participated in a training with him and I was transformed as a therapist. I was trained in the relaxation response and mindfulness meditation and using the body to help heal people who have had significant trauma and mental health challenges. From there, I went on to get my yoga teaching certification from Kripalu Center for Yoga and Health. Since then, I have been helping children, adolescents and adults learn more about themselves and help them connect with the truest part of themselves. I believe part of my purpose is to help people learn to love themselves. I lived in CA for a long time and still hold my LCSW license. I was fortunate enough to study with a number of teachers at Spirit Rock Meditation Center who have influenced my work. I blend a number of different frameworks into my practice including trauma-informed CBT, DBT, somatic psychotherapy and self-compassion. I am mindful and respectful of all differences (racial, ethnic, cultural, religious, economic, gender, sexual orientation, ability etc.) and strive to understand each person within the context of their life history. Every person who seeks treatment has unique needs and goals. I strive to work collaboratively with you to keep your goals at the center of our work together. I stand in solidarity with the BIPOC community and all those impacted by systemic racism and oppression. I will uphold my own values and ethics and support all those who are speaking out against injustice of any kind. As a therapist, I am committed to creating a safe space for all.

Katie Mann

(she/her)

Katie Mann, LCSW - California Therapist at Grow Therapy
$150/session
LCSW
34 years of experience
Virtual
I have been in practice for 30+ years and as a clinically trained social worker. I have served in several interesting capacities. My goal as a therapist is to be a part of the therapeutic process in guiding you forward to find the fulfilling life you deserve. I provide a nurturing and safe space for us to work as a team to identify your therapy goals and it's my priority to meet you where you are at in your journey. I will approach your challenges with support and openness to assist with the process of developing healthy, and useful coping strategies that work for you.

Ingrid Jimenez

(she/her)

Ingrid Jimenez, LMFT - California Therapist at Grow Therapy
$120/session
LMFT
17 years of experience
Virtual
Hi! I'm a Licensed Marriage and Family Therapist (LMFT) and a Registered Art Therapist based in California. I have been practicing for 17 years with an array of populations and in different settings. I help individuals of all ages struggling with anxiety, depression, stress, burnout, and relational issues, or personal struggles that may be causing distress and preventing them from becoming their best self, or preventing them to meet their goals in life.

Giovanna Fattorini-Ocampo

Giovanna Fattorini-Ocampo, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$120/session
LMFT
10 years of experience
Virtual
Hello, I’m Giovanna. Whether you have been struggling with mental health problems most of your life or are experiencing some personal hardships and are looking for help, you have come to the right place. Be proud of yourself for reaching out for support. The journey might not be easy but the goal is to help you have a life that you find meaningful and fulfilling. I have experience working with adolescents, transitional age youth, adults and older adults dealing with mood disorders, anxiety, psychosis, trauma, personality disorders, developmental disorders, and substance use as well as with those going through life transitions and struggling finding their way.

Jerry Kao

(he/him)

Jerry Kao, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$155/session
LMFT
8 years of experience
Virtual
Hey there! Feeling weighed down by depression or gripped by anxiety? Lost in life's twists and turns? Your journey matters, and I'm here to walk alongside you. I specialize in supporting those facing depression and anxiety by offering a compassionate hand to guide you toward healing and growth. I also assist those feeling adrift, helping them rediscover their purpose and direction. Our sessions are anything but cut-and-dried. They're dynamic, engaging, and full of possibilities. Bring a pen and notebook as we co-create strategies to propel you toward your aspirations. With EMDR therapy training, Certified Breath Coach, and expertise in Cognitive Behavioral Therapy, I bring a diverse toolbox to our partnership. Your well-being is my top priority, and together, we'll illuminate the path to a brighter, more fulfilling life. Ready to take that courageous step toward greater well-being? Let's embark on this transformative journey together.

Kandice Nelson

(she/her)

Kandice Nelson, LPCC - California Therapist at Grow Therapy
$150/session
LPCC
7 years of experience
Virtual
Do you feel like you’re doing just enough to get by, but stuck in survival mode? Are you feeling anxious, depressed, and like the world is weighing you down? I can help! I am here to listen and offer a space that feels safe and allows you to be authentically you, free of judgement, and confidential for you to grow and process your experiences.

Idania arellano

(she/her)

Idania arellano, LMFT - California Therapist at Grow Therapy
$150/session
LMFT
7 years of experience
Virtual
Hi, my name is Idania Arellano, I am a Licensed Marriage and Family Therapist in California. I received a master's degree in Marital and Family Therapy from Loma Linda University in 2019. I have worked in human services for since 2010 in various capacities including drug and alcohol and case management in group homes. I enjoy working as a therapist and feel privileged to help others work on themselves.

Emilie Crist

(she/her)

Emilie Crist, LMFT - California Therapist at Grow Therapy
$180/session
LMFT
4 years of experience
Virtual
My name is Emilie Crist and I am a Licensed Marriage and Family Therapist in California. I graduated from Fresno State with a Bachelor of Science in Special Studies Pre-Public Health and attained my Master’s of Art in Marriage and Family Therapy from Touro University Worldwide. I have worked in community health and private practice and have a broad range of knowledge and experience that I am able to apply to my work as a clinician. I look forward to helping you on your healing journey to find deeper meaning and a better understanding of yourself to reach your full potential.

Charmayne Bowens

(she/her)

Charmayne Bowens, LMFT - California Therapist at Grow Therapy
$125/session
LMFT
15 years of experience
Virtual
As a dedicated therapist, my name is Charmayne, and I specialize in providing compassionate support to women aged 18 and above who are navigating the complexities of anxiety, grief, and trauma. I believe in creating a safe and nurturing space where individuals can explore their emotions, heal from past experiences, and develop coping strategies to lead fulfilling lives. With a deep understanding of the unique challenges women face, I am committed to empowering my clients on their journey towards mental well-being and self-discovery. Together, we can cultivate resilience and foster growth in the face of adversity. I invite you to take the courageous step towards healing and reach out to embark on this transformative journey with me.

Lucia Acosta

(she/her)

Lucia Acosta, LPCC - California Therapist at Grow Therapy
$125/session
LPCC
1 year of experience
Virtual
Hello, I’m Lucia Acosta, I’m a bicultural, bilingual (Spanish/English) Licensed Professional Clinical Counselor passionate about helping adolescents and adults navigate anxiety, stress, and life’s many transitions. My practice offers a warm, supportive space where you can explore your emotions, share your experiences, and feel heard—without judgment. Whether you’re feeling overwhelmed, disconnected, or simply unsure of your next step, therapy can help you reconnect with clarity and confidence. My approach is grounded in empathy and guided by evidence-based, trauma-informed practices, including Cognitive Behavioral Therapy (CBT), Internal Family Systems (IFS), Sandtray, and client-centered therapy. Healing is not a one-size-fits-all journey, and I’m honored to walk alongside you as we work toward meaningful growth and lasting change.

Gabriela Ruiz

(she/her)

Gabriela Ruiz, LCSW - California Therapist at Grow Therapy
$170/session
LCSW
6 years of experience
Virtual
My focus is on cognitive behavioral therapy and complicated grief therapy. Sometimes we have to face our losses to be able to move forward, sometimes we have to confront our negative thoughts to clear our mind and focus on what is in front of us now. We try to cope with the world’s challenges based on the values and strengths we built during childhood, but there are many ways to rekindle our creativity and joy as adults to re imagine a new path. I am a compassionate listener who can hold a non- judgemental space for patients to share their beliefs, desires and concerns.

Sheena Ram

Sheena Ram, LP - California Therapist at Grow Therapy
$200/session
LP
8 years of experience
Virtual
Hello! I am a child psychologist based in California. I received my doctorate from Pepperdine University and have completed training at Children's Hospital Los Angeles and Primary Children's Hospital. I have 8 years of experience working specifically with children and their families in various treatment settings. I am dedicated to supporting the emotional and behavioral growth of children and adolescents through evidence-based, compassionate care.

Patricia Bevan

(she/her)

Patricia Bevan, LCSW - California Therapist at Grow Therapy
$130/session
LCSW
7 years of experience
Virtual
Hello, my name is Patricia Bevan. I have always found human behavior interesting. I love getting to know people and listening to their life stories. I find it very rewarding to empower people to achieve their best, support them through their challenges in life, as well as help ease their emotional burdens. My focus is all about "connection." My work is about connecting with clients on a genuine, compassionate and human level.

Alana Fineo

(she/her)

Alana Fineo, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$200/session
LCSW
15 years of experience
Virtual
Well done on taking the first steps to a better you! Simply acknowledging you need support and then reaching out can be the most difficult, yet empowering part of the process to a happier you. As a clinician, I specialize in working with teens, young adults and women as they navigate chapters throughout life. My goal is to facilitate a safe and nonjudgemental space for clients to verbalize thoughts and feelings. I provide a holistic approach that assesses overall physical health and its impact on mental health; looking at sleep patterns, nutrition, and social relationships. Utilizing a variety of different clinical modalities, I work alongside my clients to aid them in identifying strengths and maladaptive patterns that may interfere with happiness. Applying a strength-based approach, I guide clients in self-care practices and the development of a coping skills 'tool kit' that both empowers and equips client's with the skills necessary to build a happier and more confident life.

Elijah Gildea

Elijah Gildea, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$120/session
LMFT
20 years of experience
Virtual
My goal as a therapist is to provide support and encouragement to you during challenging times. I believe my role is to use my education and experience to help you achieve your desired outcome and help you find ways to learn to live with your present life circumstances. I specialize in evidence-based treatments for a wide range of conditions including anxiety, depression, career issues, difficult life transitions, adverse childhood experiences, grief & loss, relationship issues, anger management & domestic violence, and athletic performance. I grew up in a small coastal town in Northern California, and graduated from Humboldt State University. From there I moved to Redding California and started my career as a Marriage and Family Therapist.

Rosanna Salazar

(she/her)

Rosanna Salazar, LCSW - California Therapist at Grow Therapy
$150/session
LCSW
17 years of experience
Virtual
Life is really complex and challenging so I’m glad you’re checking in to find ways to support a fulfilled, happy and thriving YOU. Whether you are here to process trauma, sort out your future plans or relationships, learn new coping to manage stress, or some other area of your experience that is having an impact on you, I’m honored that you’ve considered how I can support you. In a process you are empowered to design, we will create a space where you can grow, heal and feel better using a variety of evidence-based techniques, a safe virtual environment and our therapeutic relationship!

Nicole Moose

(she/her)

Nicole Moose, LCSW - California Therapist at Grow Therapy
$175/session
LCSW
10 years of experience
Virtual
Whether you are struggling with sadness, finding the energy to do things in life, low self-esteem, anxiety, anger, trauma, unhealthy coping, or even masking your emotions; you are capable and you can heal. I truly believe that most people will do well when they know how to do well. It's hard to ask for help and it's hard to accept the help. We just get stuck in the quick fix, easiest option, or the least emotionally draining route. My style towards therapy is direct, relational, and authentic. I won't sugar coat things or tell you what you "want" to hear, and I hope the same from you. This is about you and for you.

Frequently asked questions

Why filter by California rather than a city like LA?

When looking for online therapy, you can see anyone that is credentialed in the state. 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.

Will my therapist take insurance?

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.

How does the Specialty Filter work? Can I find a therapist that focuses on Parenting?

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, Parenting, is filtering therapists in California that work with patients with similar concerns.

Why use Gender, Age, and Identities filters?

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.

What to expect during your first session?

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.