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 115 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: 8/12/2026

$150/session

Open-minded
Warm

Specialties

Substance Misuse
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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$200/session

Authentic
Empowering
Solution oriented

Specialties

Substance Misuse
Anxiety
Couples Counseling
+10
I work with individuals and couples struggling with issues including addiction, codependency, parenting, body image issues, self-worth issues, anxiety and depression, among others. My work is routed in a depth-psychological approach that focuses on the subconscious, and how issues that we are unaware of are sabotaging our lives. I am outgoing, warm and friendly, and working with me is like having a close friend in your corner, holding you accountable and helping you understand yourself as deeply as possible. In my previous career, I was an actor, and love working with artists of all types. I understand Hollywood and show business and the difficulties that come with creating a career out of an artistic passion. I am a mother and love working with parents who are struggling with the very real difficulties that come with the hardest job in the world. In my work with couples, I help both parties understand what it is that they truly want as individuals, and how to achieve it as a team. I am passionate about my job as a helper and a healer, and hope to be able to help guide you into becoming the best version of yourself.
VirtualAvailable
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$200/session

Authentic
Empowering
Intelligent

Specialties

Substance Misuse
Anxiety
Depression
+10
Hi! I'm a Licensed Marriage and Family Therapist (LMFT) and Registered Art Therapist based in California. I also have certification in substance use disorders. I practice from a trauma-informed, strengths-based perspective, utilizing integrative techniques which include CBT, mindfulness practices, somatic approaches, psychodynamic, internal family systems and art therapy. I tailor treatment to best suit your needs. I understand how hard it can be to make the decision to work through difficulties. My goal is to help clients develop insight into their thinking and behavioral patterns by exploring the root causes of their anxiety, depression, or trauma and identify the underlying issues contributing to their distress. This process of self-discovery can be challenging, but it is also incredibly empowering.
VirtualAvailable
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Often rebooked

$150/session

Warm
Authentic
Open-minded

Specialties

Substance Misuse
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.
VirtualAvailable
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$220/session

Authentic
Empowering
Humorous

Specialties

Substance Misuse
Anxiety
Grief
+4
Hi, I’m Zoë. At the core of my work is a simple belief: authentic human connection is one of the most powerful forces for change. My job is to create a safe, honest space where that connection can happen — and where you feel free to show up as yourself. I’ve been a Licensed Marriage and Family Therapist since 2016 and hold a PhD in Humanistic Psychology from Saybrook University. My research explored body comparison and how our earliest experiences of comparing ourselves to others shape our sense of self — work that continues to inform how I help clients build a stronger sense of self-worth and a healthier relationship with their bodies. If you’re working through body image concerns, anxiety, grief, or relational struggles, I’d love to help you get closer to your most authentic self.
VirtualAvailable
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$75/session

Authentic
Direct

Specialties

Substance Misuse
Addiction
Anxiety
+5
My name is Javi Gonzalez, and I am a Hispanic therapist originally from Mexico. My personal and professional background has shaped the way I connect with clients, especially men from the Latino/Hispanic community who are navigating addiction, depression, cultural identity, family expectations, relationship conflict, anxiety, and stress. I understand that many Latino men are taught to stay strong, keep problems private, and carry emotional pain alone. In therapy, I work to create a space where clients can be honest without feeling judged. My style is direct, respectful, practical, and compassionate. I believe clients deserve both support and honest feedback as they work toward meaningful change and resolve your problems. My own life experiences have given me a deep respect for resilience, survival, and the effort it takes to build a different future. I know that issues like poverty, cultural pressure, family responsibility, community violence, immigration experiences, and addiction can deeply affect how a person sees themselves and relates to others. I help clients identify unhealthy patterns, develop better coping skills, improve communication, and build healthier relationships with themselves, their partners, and their families. I especially enjoy working with Spanish-speaking clients who want therapy that feels culturally familiar, honest, and focused on real-life progress. My goal is to help clients feel understood, take responsibility for change, and move toward a more stable, healthy, and meaningful life.
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New to Grow

$120/session

Specialties

Substance Misuse
Anxiety
Depression
+6
Hello, my name is Kathy and I am a LCSW. I enjoy meeting people from all walks of life and learning about them. I am an integrated counselor and use different modalities to create an individualized approach to my work. I have been working as a counselor for about 4 years and I am privileged to do this type of work.
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Often rebooked

$179/session

Authentic
Solution oriented
Empowering

Specialties

Substance Misuse
Gambling Addiction
Men's Issues
+4
I am a licensed clinician dedicated to helping individuals break free from stuck patterns, navigate complex trauma, and build stable, fulfilling lives. My practice focuses heavily on adult mental health, substance use recovery, and specialized behavioral tracks—specifically treating pornography addiction, intimacy challenges, and compulsive, sexualized coping loops. I recognize that deeply stigmatized or complex challenges often carry overwhelming shame, which is why my clinical space is entirely non-judgmental, collaborative, and objective. By integrating Cognitive Behavioral Therapy (CBT) and Dialectical Behavior Therapy (DBT) with body-based Somatic Therapy, I help you heal both the mind and a dysregulated nervous system. Together, we look beyond baseline talk therapy to restore your personal autonomy, expand your distress tolerance, and create real, lasting behavioral integrity. You don't have to navigate these heavy stressors alone; I am here to work alongside you as a dedicated teammate.
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New to Grow

$175/session

Specialties

Substance Misuse
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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New to Grow

$180/session

Specialties

Substance Misuse
Mood Disorders
Trauma and PTSD
+10
Hi, I’m Bailey, a Licensed Clinical Social Worker who is passionate about supporting individuals as they navigate life’s challenges, heal from difficult experiences, and grow into the most authentic version of themselves. I have a background in leadership as a Clinical Director in inpatient substance use treatment, where I worked extensively with individuals experiencing co-occurring mental health concerns, addiction, and trauma. I strive to create a warm, supportive, and nonjudgmental space where clients feel safe to explore their emotions, build self-understanding, and develop healthy coping skills. My approach is compassionate, collaborative, and tailored to each client’s unique needs and goals.
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Often rebooked

$175/session

Authentic
Empowering
Intelligent

Specialties

Substance Misuse
Anxiety
Grief
+10
My therapeutic style is grounded in a holistic and integrative framework, which empowers me to provide personalized care that aligns with each client's distinct situation and clinical needs. I am committed to cultivating a safe and nurturing space where clients can explore their thoughts, feelings, and experiences without judgment. As I walk alongside clients on their path to healing, I remain flexible and responsive, adjusting my approach to support their growth and development at every stage.
VirtualAvailable
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$225/session

Authentic
Solution oriented
Intelligent

Specialties

Substance Misuse
Addiction
Mood Disorders
+8
It an honor for me to support my clients as they manage their challenges on the path to establishing a life that brings them happiness, meaning, and joy. After a successful career in the business world, (both working for large corporations and managing my own business), I earned a doctorate degree in clinical psychology so that I could use my life experience and my clinical training to help people live their best lives, whether that is overcoming psychological issues like depression or anxiety, striving to maximize their potential, or just enjoying a peaceful work life balance with their loved ones.
VirtualAvailable
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$150/session

Authentic
Empowering
Warm

Specialties

Substance Misuse
Addiction
Anxiety
+7
I truly want to understand and align with my clients, to provide a unique healing experience, and help my clients to gain insights that they may not have had or experienced before. I help my clients develop coping skills that are unique to them, setting them up for the best possible outcome, because the therapy is tailored to their needs.
VirtualAvailable
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Often rebooked

$130/session

Warm
Authentic
Solution oriented

Specialties

Substance Misuse
Anxiety
Coping Skills
+8
*Currently not taking couples** I am a licensed Marriage and Family Therapist based in California. I received my master’s degree at Pacific Oaks College with a specialization in Trauma and I have been practicing for over 7 years. I help people by providing them with coping skills when they are overwhelmed, assist them with building a “life worth living”, and help them with working through every day life stressors including: work, relationships, family difficulties.
VirtualAvailable
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$150/session

Authentic
Warm
Open-minded

Specialties

Substance Misuse
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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$200/session

Intelligent
Direct
Empowering

Specialties

Substance Misuse
Addiction
Self Esteem
+9
My passion for therapy is rooted in a deep desire to connect with others. Growing up in a family rich in cultural diversity, I have had the privilege of hearing stories from relatives of various backgrounds, which sparked my curiosity and appreciation for different perspectives. This experience has inspired me to continually learn about others—their thoughts, motivations, and unique journeys. I believe my purpose is to support clients as they strive to reach their fullest potential. For me, being a therapist means walking alongside individuals, couples, and families as they navigate challenges and embrace growth. It is both an honor and a privilege to serve my community in this meaningful way.
VirtualAvailable
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$200/session

Warm
Authentic
Empowering

Specialties

Substance Misuse
Anxiety
Obsessive-Compulsive (OCD)
+9
Hello, I am a Licensed Clinical Social Worker based in California and I have been offering Psychotherapy to individuals, couples, and groups for the past 6 years. My own journey of healing, including navigating posttraumatic stress disorder, has profoundly shaped my approach to therapy. This personal experience, combined with years of professional practice, informs my integrative approach, which focuses on the interconnectedness of the body, mind, and spirit. I specialize in working with the nervous system and addressing conditions such as trauma, OCD, PTSD, and relational issues. My approach is rooted in understanding how these challenges affect the whole person, not just their thoughts or emotions, but also their physical and energetic well-being.
VirtualAvailable
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Often rebooked

$150/session

Solution oriented
Empowering
Warm

Specialties

Substance Misuse
Anxiety
Depression
+4
One of my biggest passions is helping others overcome problems and giving back in a way I was helped. I’m a licensed therapist specializing in ISTDP, helping adults overcome anxiety, depression, trauma, and addiction by quickly identifying and resolving the emotional patterns that drive symptoms. I offer compassionate, focused sessions that help you access core feelings, reduce distress, and build more effective ways of coping and relating.
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$100/session

Warm
Authentic
Intelligent

Specialties

Substance Misuse
Anger Management
Anxiety
+10
Hi, I am a Marriage and Family Therapist licensed in California for 20 years and I hold a doctorate degree in the Philosophy of Counseling. I am in my second marriage for 30 years now, after my 24-year first marriage failed. We have seven children between the two of us, 31 grandchildren, and 7 great-grandchildren. I have had good success counseling couples who have given up on their relationship, especially those who have experienced infidelity. I don't counsel children until they are 18. I enjoy helping people understand how they became the way they are and therefore find ways to leave dysfunction behind.
VirtualAvailable
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$130/session

Authentic
Warm
Empowering

Specialties

Substance Misuse
Addiction
Anxiety
+10
I have been a licensed therapist for over 15 years, licensed in California and Nevada. I understand that reaching out and starting the therapy process can be a little overwhelming in and of itself, so I work to set a pace that is comfortable for my client. If you are ready to dive into the deep end, we will go there. If you need some time to ease into the hard work of therapy, we will go at a pace that feels comfortable. I see myself as a guide in the process of therapy and, at times, more of a teacher, sharing strategies and information. My goal as a therapist is to help you develop the resources and strategies to feel confident in your ability to handle life challenges. Sometimes that involves really getting in touch with the way you think and what you believe, or exploring how you are talking to yourself, or it might involve healing childhood wounds. Since each client is unique I use a variety of therapeutic techniques, I incorporate evidenced based strategies like Cognitive Behavioral Therapy and sometimes complimentary therapies such as Guided Imagery. I tend to be eclectic in my approach because each person is an individual, and there is no one-size-fits-all when it comes to resolving life issues.
VirtualAvailable
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$150/session

Authentic
Warm
Solution oriented

Specialties

Substance Misuse
Anxiety
Depression
+9
Starting therapy can feel like a big step—especially if you’re not totally sure what to say or where to begin. My job is to make that part easier. I’m a licensed therapist who works with people dealing with stress, anxiety, relationship issues, burnout, low motivation, and feeling stuck or overwhelmed. Some clients come in with something specific going on, while others just know something feels off and want to figure it out. Both are completely welcome here. In our work together, we focus on what’s actually happening in your day-to-day life and how to create real, noticeable changes—not just talk in circles. I aim to keep sessions practical, collaborative, and grounded so you leave with clarity and a better sense of direction. Clients often tell me they appreciate having a space where they can be honest without feeling judged or analyzed. You don’t need to have the “right words” or a clear plan before starting—we’ll figure that out together. If you’re looking for therapy that feels straightforward, supportive, and focused on helping you move forward, I’d be glad to work with you.
VirtualAvailable
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$115/session

Authentic
Warm
Open-minded

Specialties

Substance Misuse
Addiction
Anxiety
+10
Hi, I’m Jacob Mooradian. I earned my bachelor’s degree from CSU Fullerton and my master’s degree in Clinical Psychology with an emphasis in Marriage and Family Therapy from Pepperdine University, where I focused on mental health and supporting people through life’s challenges. I take a down-to-earth, non-directive approach rooted in CBT, helping you understand the patterns in your thoughts, feelings, and behaviors so you can eventually become your own therapist. I love bringing in media like movies, TV shows, sports, and current trends to make our conversations relatable, engaging, and grounded in real life. My goal is to validate your experiences, help you gain clarity, and build practical tools you can use every day. I want therapy to feel like a space where you can show up exactly as you are and move at a pace that feels right for you. Together, we’ll create a warm, supportive environment where you feel heard, understood, and empowered to grow with confidence and independence.
VirtualAvailable
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$100/session

Authentic
Solution oriented
Intelligent

Specialties

Substance Misuse
Addiction
Anxiety
+10
Luke is a Licensed Clinical Social Worker with a background in emergency medical services and hospital emergency departments. He is a United States Coast Guard veteran located in California. Luke believes in healthy habit development, consistent focus on goals, and problem solving to improve quality of life. Luke's approach to therapy includes: positive psychology, stress management, reducing substance use, communication skills, solution focused therapy, and cognitive behavioral therapy (CBT). Outside of work Luke enjoys outdoor activities like camping, mountain biking, sailing, and scuba diving.
VirtualAvailable
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$175/session

Authentic
Open-minded
Intelligent

Specialties

Substance Misuse
Anger Management
Anxiety
+5
I am a Licensed Clinical Social worker in California with a demonstrated ability to develop rapport with people from various backgrounds. As a social worker, I have had the opportunity to work in various settings from medical and psychiatric hospitals, community mental health agencies and the criminal justice system (juveniles and adults). I have also worked with individuals challenged by addiction. Through the use of interpersonal dynamics, I can support individuals in accessing various psychological parts of themselves while focusing on the past, present and future.
VirtualAvailable
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$100/session

Authentic
Warm
Empowering

Specialties

Substance Misuse
Anxiety
Depression
+9
Hello, my name is Veronica. I am a Licensed Clinical Social Worker (LCSW) dedicated to providing compassionate support and professional guidance to individuals. With a strong commitment to mental health and well-being, I strive to create a safe and supportive environment where clients can explore their challenges and work toward positive change. As a licensed social worker, I am extensively trained in a variety of evidence-based treatments, including Cognitive Processing Therapy for PTSD. Additionally, I utilize Acceptance and Commitment Therapy to support clients dealing with depression and anxiety, ensuring that my therapeutic interventions are both effective and adaptable to individual needs. I am passionate about making a positive impact on the lives of those I serve. My goal is to help clients navigate life's challenges, foster personal growth, and promote well-being through compassionate and ethical social work practice.
VirtualAvailable
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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, Substance Misuse, 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.