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 383 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: 7/1/2025

Emily Zavala-Aguilar

(she/her)

Emily Zavala-Aguilar, LMFT - California Therapist at Grow Therapy
$175/session
LMFT
3 years of experience
Virtual
Welcome! I’m Emily. I am a licensed psychotherapist working in the Sacramento area. My therapy practice welcomes children, adolescents, adults, and families. I operate from the framework that through our shared humanity, we can find connection, understanding, and healing. As a humanistic and psychodynamic therapist, my practice emphasizes genuineness, self-discovery, and uncovering unconscious behaviors and patterns within a non-judgmental and empathic space

Nelida Padron

(she/her)

Nelida Padron, LCSW - California Therapist at Grow Therapy
$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.

Ligia Orellana

(she/her)

Ligia Orellana, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LMFT
8 years of experience
Virtual
Are you BIPOC or Queer? Hi, I’m Ligia. I help First Gen BIPOC and Queer folks in individual therapy heal from guilt and shame so they can feel more at peace with their sense of self. If you’ve ever struggled with feeling “not enough,” put everyone else’s needs before your own, or felt pressure to shrink yourself to fit in, you’re not alone. I specialize in helping clients untangle these experiences, understand their emotions, and heal from attachment wounds in a way that honors your cultural background and lived experiences. My goal is to support you in living in a way that feels honest, spacious, and aligned with who you truly are. Together, we’ll create a safe, affirming space to explore, unlearn, and grow—so you can move through the world more authentically, joyfully, and unapologetically.

Matthew Tapia

(he/him)

Matthew Tapia, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$200/session
LMFT
12 years of experience
Virtual
Hello! I am a Licensed Marriage and Family Therapist (LMFT), currently licensed in Arizona and California. In my life, I’ve seen many people with a broad spectrum of challenges. I’ve also seen that hope and relief are possible. I offer a unique perspective in getting you that help. I enjoy seeing individuals and families solve problems and feel closer together. My experience comes from providing direct mental health and behavioral counseling for kids, teens, and adults with a variety of presenting issues including anxiety, autism, Asperger's syndrome, depression, stress, relationship and family issues, life transitions, parenting, and caregiving issues in a variety of settings. My approach and therapy style draws influence from Acceptance and Commitment Therapy (ACT), Dialectical Behavior Therapy (DBT), Mindfulness, and Cognitive Behavioral Therapy (CBT). It is important that you and I work together as a team using a collaborative approach and that I meet you where you are.

Gabriella Cuaderes

(she/her)

Gabriella Cuaderes, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$185/session
LCSW
8 years of experience
Virtual
Hello! My name is Gabriella and I am a queer and multi-ethnic Licensed Clinical Social Worker. My work is centered on the belief that healing happens in community and that we each have the capacity to thrive when in supportive and uplifting environments. I am a trauma-informed and focused therapist, meaning that I aim to acknowledge and explore the ways that traumatic experiences have impacted my clients, all while focusing on the strengths, wisdom and resources each client possesses.

Ness Ruvalcaba

(she/her)

Ness Ruvalcaba, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$180/session
LMFT
9 years of experience
Virtual
Hello! My name is Ness Ruvalcaba. I am an Spanish and English speaking licensed Marriage and Family Therapist (LMFT) in California. I work with individuals who are are needing some extra support understanding or creating some change in their lives. I specialize in trauma informed care, PTSD, anxiety and depression, self harm, and various other issues and needs. I also work with individuals around resolving conflict, improving communication, processing difficult experiences, and various other experiences. I have also very much enjoyed supporting parents individually to work on having better relationships with their children and identify the most effective ways they can support their child. I have worked in various settings including virtual therapy, office or clinic based services, school based services with adolescents and their families, and community based services with newcomer and immigrant youth, youth in foster care, adults, and their families maneuvering complex systems. At this time, I do not meet with couples looking for couples therapy.

Lorrie LaVallee

(she/her)

Lorrie LaVallee, LMFT - California Therapist at Grow Therapy
$140/session
LMFT
18 years of experience
Virtual
Welcome! My name is Lorrie! Life can be challenging and complicated. Choosing a therapist doesn’t have to be. I believe that building a genuine, open, and honest therapeutic relationship with my client is the best way to connect. Together, we will work to explore areas of your life that are challenging to set you on a path of happiness, fulfillment, and purpose. Are you tired of relapsing?? Tired of struggling to stay sober?? My experience in the field of Substance Abuse allowed me the privilege of helping those struggling with addiction and mental health disorders as well as their families. I have worked in this field for the past sixteen years and it has given me a compassionate perspective for those struggling to get and stay sober. I am enthusiastic and passionate about helping you find unique and creative solutions to problems. Parents, would you like some peace in your home? Are you tired of the lying and manipulation? Need support dealing with a teen with addiction issues? I can help.

Bonnie Walther

Bonnie Walther, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LMFT
10 years of experience
Virtual
I am a Bilingual Marriage, Child and Family therapist with 10 years of experience. I help individuals and families work through difficult challenges and guide them through a healing journey in which they set the destination. I enjoy and pride myself in working with individuals and families of various backgrounds. I particularly enjoy working with individuals who are complex and strive to reach their full potential.

Sergio Ibañez

(he/him)

Sergio Ibañez, LCSW - California Therapist at Grow Therapy
$180/session
LCSW
7 years of experience
Virtual
My focus is to provide support and guidance. I provide individual, couples, and family therapy (ages 5+) using a client-centered approach. I use a wide variety of therapeutic approaches, including Eye Movement Desensitization and Reprocessing (EMDR), Cognitive Behavioral Therapy (CBT), Dialectical Behavioral Therapy (DBT), Solution-Focused Brief Therapy (SFBT), etc. I am bilingual in English and Spanish. I provide a client-centered approach with motivational interviewing. I use a wide variety of therapeutic approaches.

Nestor Davila

(he/him)

Nestor Davila, LCSW - California Therapist at Grow Therapy
$120/session
LCSW
1 year of experience
Virtual
I am a licensed clinical social worker that has been practicing for the past 11 years. I have a back grown in advance DBT training and EMDR basic training. Although I consider myself as taking an eclectic approach to treatment I lean on DBT and EMDR in my individual work. I strive to make the time that we meet to be a safe, calm, and free from judgment place.

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.

Michael Najera

(he/him)

Michael Najera, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$225/session
LMFT
10 years of experience
Virtual
Hi There! My name is Michael. I have my master's in clinical psychology, focusing on marriage and family therapy LMFT. I did my internship at Glendale Adventis Hospital, dual diagnosis program. Just because I'm an expert in my field, does not make me an expert about you. You have lived a life experience that no one can teach about in a grad course. You will teach me much more than the classes I took. I take many CE units (I joined an unlimited program), read work related books just for fun, and truly enjoy my work and private life. I'm grateful for everything! Outside the office I have two adult children, love to water ski, play drums, race cars, and fix things.

Selena Kradolfer

(she/her)

Selena Kradolfer, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$300/session
LMFT
15 years of experience
Virtual
I choose to practice trauma-informed care because intention and corrective experiences are important aspects of healing. I work with adults, providing individual therapy to help clients identify new ways of coping and communicating to find sustainable solutions. I value helping clients identify strategies they can apply towards stressors that are impacting their lives in order to experience relief from suffering, develop healthy skills, and improve confidence.

Nadia Merlo

Nadia Merlo, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LMFT
8 years of experience
Virtual
I am a bilingual (Spanish)/bi-cultural (Central American) Licensed Marriage & Family Therapist in the State of California, with 8 years of clinical experience. I have treated children, at-risk adolescents, adults and families in various settings, such as: in-home, school-based (k-12), telehealth, pediatric clinic and private practice. I have a passion for helping, inspiring and empowering others to identify their strengths and capabilities.

Eufemio Munoz

(he/him)

Eufemio Munoz, LCSW - California Therapist at Grow Therapy
$150/session
LCSW
5 years of experience
Virtual
I’m a laid-back, client-centered therapist who believes in creating a relaxed, nonjudgmental space where you can feel comfortable exploring your thoughts and emotions. My approach is collaborative, meaning I’ll meet you where you’re at and work together to create a path forward that fits your unique needs and goals. I value authenticity, and I’m here to listen, offer support, and help you tap into your own strengths to create positive change at your own pace.

Katherine Fleisher

(she/her)

Katherine Fleisher, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$225/session
LMFT
20 years of experience
Virtual
Welcome, I am a Licensed Marriage and Family therapist providing individual therapy to people seeking support. I have been working in mental health for over 25 years as a Therapist, Clinical Supervisor and Program Director with community non-profits serving underserved and Latino communities. Currently I am focusing on providing a safe space to those finding themselves with anxiety, depression and/or trauma. You are not alone although we at times feel alone. We will utilize various evidence based models based on your needs. You will develop cognitive behavioral, relaxation, mindfulness and poly-vagal toning techniques to address your current life challenges. Looking forward to joining your healing Journey.

Edward Gonzalez

Edward Gonzalez, LMFT - California Therapist at Grow Therapy
$140/session
LMFT
18 years of experience
Virtual
Hi, I am Licensed Marriage and Family Therapist/Mental Health provider in California. I have been in the social service field for over 20 years , and have been practicing fully licensed for over 15 years. I like to work with adults who are experiencing life stress and challenging moments in their lives and provide a safe space where they can be heard with out judgment .

Christina Harney

(she/her)

Christina Harney, LMFT - California Therapist at Grow Therapy
$200/session
LMFT
23 years of experience
Virtual
Therapy is the process of meeting with a licensed mental health professional to help you resolve problematic behaviors, thoughts, feelings and sensations. Through therapy you can change self-destructive behaviors, resolve painful memories, improve relationships and more. With commitment and time you will be able to live a mentally and emotionally healthy life. I have specialty training in the following treatment modalities: EMDR Eye Movement Desensitization Reprocessing; CBT Cognitive Behavioral Therapy; DBT Dialectical Behavioral Therapy; Motivational Interviewing; Ego States Therapy; Perinatal Mental Health and TFCBT Trauma Focused Cognitive Behavioral Therapy. I use a combination of these modalities in my treatment of clients based on their individual needs.

Crystal Cardenas

(she/her)

Crystal Cardenas, LCSW - California Therapist at Grow Therapy
$90/session
LCSW
7 years of experience
Virtual
Hola! I’m a bilingual, Latina Licensed Clinical Social Worker based in California. All clients have the power to heal, and I provide a judgement free and compassionate space to help you navigate life’s challenges. Together, we’ll explore your thoughts, emotions, and experiences to develop coping strategies that support your healing and growth. My goal is to empower you to build a healthy, meaningful life rooted in resilience and self-awareness.

Veronica Sanchez-Reyes

(she/her)

Veronica Sanchez-Reyes, LCSW - California Therapist at Grow Therapy
$100/session
LCSW
6 years of experience
Virtual
I am a bilingual (English and Spanish) Licensed Clinical Social Worker. Since obtaining my MSW degree from California State University, Long Beach, I’ve had the opportunity to provide direct clinical services to school-age children, adolescents and adults in multiple settings including schools, wraparound programs, short-term residential therapeutic programs, unaccompanied minor’s shelters, hospitals, medical clinics and private practice. As an LCSW, my passion and priority is to create meaningful and transformative connections with individuals in hopes of improving the community for all.

Zachary Alvarado

Zachary Alvarado, LCSW - California Therapist at Grow Therapy
$150/session
LCSW
5 years of experience
Virtual
I’m a Latino therapist who specializes in working with trauma, identity, and the emotional weight that comes from growing up in high-stress environments. I help people make sense of patterns rooted in past experiences — whether that’s family dysfunction, grief, street violence, or cultural pressure — so they can move through life with more clarity and less emotional reactivity. My style is honest, direct, and grounded. I’m not the kind of therapist who just nods and listens — I’ll challenge you when needed and help you get to the core of what’s keeping you stuck. I work especially well with first-generation men, individuals processing childhood or gang-related trauma, and those navigating the tension between cultural loyalty and personal growth. I’ve spent the last five years working across community mental health, jail reentry, and school-based settings — including the LA County Department of Mental Health, homeless outreach in South Central, and now as a therapist in a middle school. My approach is shaped by both clinical training and real-life experience supporting clients in some of the most challenging situations.

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.

Elizabeth Serrato

Elizabeth Serrato, LCSW - California Therapist at Grow Therapy
$100/session
LCSW
3 years of experience
Virtual
I am a Licensed Clinical Social Worker (LCSW) based in Los Angeles, California. I received my Master of Social Work from the University of Southern California (USC). I work with adolescent and adult clients statewide via telehealth. I have several years of experience with helping clients improve anxiety, depression, and overall stress symptoms that life and life transitions create. I am a therapist who is passionate about helping people heal, grow and discover their strengths.

Yuri Cardona

Yuri Cardona, LMFT - California Therapist at Grow Therapy
$175/session
LMFT
14 years of experience
Virtual
Hi there! My name is Yuri and I have over 10 years of experience treating clients. I specialize in treating adults experiencing anxiety, depression, life transitions, low self-esteem, and relationship issues. Are you committed to your personal growth journey? Do you feel the desire for positive change, but struggle with confidence, self-worth, self-respect, and self-doubt? Are you an overthinker and people-pleaser, longing for healthier relationships with yourself and others? If so, I am here to support you. As a compassionate and understanding therapist, I specialize in empowering individuals like you to develop the necessary skills for greater confidence, overcome self-doubt, and live a more meaningful life. I provide a safe, non-judgmental space where you can be vulnerable, freely express your true self, and explore your innermost thoughts and feelings. Together, we will work towards building your self-assurance and intentionality in your actions. Through our therapeutic journey, I am dedicated to offering guidance, accountability, and a nurturing environment to help you cultivate a healthier relationship with yourself and those around you. If you're seeking a therapist who truly understands your unique experiences and offers unwavering support, I would be honored to accompany you on this transformative path. Let's embark on this empowering journey together.

Cynthia Anyanwu

(she/her)

Cynthia Anyanwu, LCSW - California Therapist at Grow Therapy
$150/session
LCSW
15 years of experience
Virtual
I am a bilingual-Spanish-speaking, Licensed Clinical Social Worker with over 13 years experience in the mental health field. My specialty is focused on individuals over the age of 21 dealing with anxiety, depression, postpartum, grief and loss, life transitions, and women's issues. My training consists of Cognitive Behavioral Therapy, Dialectical Behavioral Therapy, Seeking Safety, Interpersonal Therapy, Crisis Therapy, Motivational Therapy, etc.; however, when providing services to clients, I prefer to utilize a Solution-Focused approach to help clients achieve their mental health goals. I believe that there is not a “one size fits all” approach to therapy and that collaboration and trust with my clients is key to success in therapy. My goal is to help and empower others who are struggling to heal so that they can have a better future and not continue to live in the pain of the past. In my spare time, I enjoy spending time with my family, watching a movie/show, or reading a book.

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 a specific issue?

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.

What are the "Clients say I'm" badges?

Grow Therapy asks patients about their experience with therapists after they have had a certain number of sessions. After enough responses, we add those characteristics to their profiles to help you find the best online therapists for you. We're still working on collecting this information from all our therapists.

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.