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 890 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: 7/3/2025

Sarah Abbamonto

(she/her)

Sarah Abbamonto, LCSW - California Therapist at Grow Therapy
$165/session
LCSW
6 years of experience
Virtual
Hello and welcome to the journey of becoming an even more incredible version of yourself! I'm Sarah, a Licensed Clinical Social Worker. I am so looking forward to meeting with you. I am a strengths-based, client centered, and solutions focused therapist. Together we will work to develop skills based on your strengths to help you thrive in your life. Our time together will be a collaboration between us to make sure that you are working on the areas that you feel will most benefit you and even those that you may not consider needing change.

Joanne Piedra

Joanne Piedra, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$125/session
LCSW
34 years of experience
Virtual
Hi my name is Joanne and I am a Licensed Clinical Social Worker with 30+ years of clinical experience, and I also a Certified Alcohol and Drug Counselor. The past 16 years provided substance abuse treatment in both inpatient and outpatient programs, and telehealth services for the military with the USMC and USN active duty and retired Sailors, Marines, and their dependents. I also have provided for the last 2 years telehealth counseling services privately through Grow Therapy and BetterHelp. Experience working with teens and their families providing individual, group, and family therapy in both the state of California and New York. Providing clinical treatment in several clinical settings including residential treatment centers, day treatment/school programs, community-based programs specializing in Cognitive Behavioral Therapy and Motivational Interviewing. Received specialized training and facilitating parenting groups/classes utilizing the approach of S.T.E.P. (Systematic Training for Effective Parenting). Graduated from Fordham University in NY receiving MSW and Marist College receiving BSW Licensed Clinical Social Worker in CA and Licensed Master Social Worker in NY

Bianca Rus

Bianca Rus, LMFT - California Therapist at Grow Therapy
$130/session
LMFT
6 years of experience
Virtual
Renowned psychologist Carl Rogers once stated that the process of a ‘good life’ involves stretching, growing, and becoming more and more of one's potential. He argued that the individual who chooses growth as their compass in life is truly an inwardly free individual (Rogers, 1961). Inspired by Rogers’ humanistic and timeless outlook, I focus my work with clients on expanding their process of growth into an engaging endeavor rather than a strenuous one. I believe that every individual has tremendous inner resources that need support in coming to light. My goal is to make every client feel empowered to create the best life for themselves individually and in their relationships.

Erika Hernandez

(she/her)

Erika Hernandez, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LMFT
12 years of experience
Virtual
Deciding to enter into professional counseling can be a scary idea, but I believe an individual’s ability to recognize that there is a problem, coupled with their willingness to work to find a solution, demonstrates courage. I have experience in the areas of trauma, anxiety, depression and relationship issues. My passion is working alongside my clients which includes; adolescents and adults; to help bring healing to those who have been through a traumatic or stressful experience.

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.

Catherine Ramsey

(She/her)

Catherine Ramsey, LMFT - California Therapist at Grow Therapy
$120/session
LMFT
4 years of experience
Virtual
I am a Marriage & Family Therapist based in Northern California. I earned my Masters degree from Golden Gate University in San Francisco and have been licensed for 4 years. I have over 8 years of experience supporting families of patients diagnosed with Autism Spectrum Disorder and other developmental delays. I work with adults to help them uncover what keeps them stuck in unhealthy patterns and provide tools so they can achieve their personal goals. I am here to help you establish better relationships with your loved ones, learn to set boundaries, and meet your full potential.

Robert Garza

Robert Garza, LCSW - California Therapist at Grow Therapy
$150/session
LCSW
23 years of experience
Virtual
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.

Victor Washington

Victor Washington, LCSW - California Therapist at Grow Therapy
$175/session
LCSW
8 years of experience
Virtual
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.

Emma Ruiz

Emma Ruiz, LMFT - California Therapist at Grow Therapy
$100/session
LMFT
12 years of experience
Virtual
As a trauma informed therapist and a mommy to an angel baby, I offer a compassionate and strength based tailored approach to therapy. I have 12 years of clinical experience, 22 years experience in providing support to individuals in foster care and 5 years experience in working with individuals in recovery from substance/alcohol abuse. From 2013 till 2024 I was an Associate Marriage Family Therapist. In 2024, I became a Licensed Marriage Family Therapist.

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!

Hilda Galan

(she/her)

Hilda Galan, LMFT - California Therapist at Grow Therapy
$120/session
LMFT
11 years of experience
Virtual
Hola! I’m a bilingual (English/Spanish) licensed psychotherapist (LMFT) based in California with a decade of experience. I received my Master’s in Marriage and Family Therapy with an emphasis in Clinical Art Therapy from Loyola Marymount University. I specialize in supporting adolescents and adults of all ages who are facing mental health challenges that affect their daily lives and aspirations. As an art therapist, I offer art therapy sessions where no previous art experience is necessary. This approach combines traditional psychotherapy with creative expression to help you process emotions and integrate body and mind.

Martin Alvarez

(he/him)

Martin Alvarez, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LMFT
6 years of experience
Virtual
Hello! I'm a Licensed Marriage and Family Therapist (LMFT) based in California, with six years of experience after graduating from the Chicago School of Professional Psychology. My focus is on helping adults navigate career stress, transitions, marital issues, and burnout to achieve their fullest potential. Additionally, I specialize in supporting adults transitioning back to their communities after military service and deployments, empowering them to reintegrate positively into civilian life.

Jessica Lazos

(she/her)

Jessica Lazos, LMFT - California Therapist at Grow Therapy
$150/session
LMFT
8 years of experience
Virtual
Hi there, I'm Jess! Real change takes time, practice and patience. I am honored to have the opportunity to accompany you on your journey. I am Bilingual in English and Spanish (Hablo español). I have been privileged to work with adults, teens, families, and couples struggling with a wide variety of issues including anxiety, depression, communication, trauma etc. I am experienced in a number of evidence based techniques including CBT, DBT, Person-Centered therapy, and I will actively work with you to find the best approach to meet your individual needs. This open and flexible approach allows you to share and comfortably express and explore your thoughts, feelings and behaviors in a warm, safe and inviting space. I hold a unique understanding of the struggles that accompany physical disabilities. I understand how hard reaching out and asking for help can be, and I am so proud of you for taking this first step towards peace and healing! Life is easier with support! Together we can discuss how therapy could benefit you and/or your family.

Kathy Kelly

(she/her)

Kathy Kelly, LMFT - California Therapist at Grow Therapy
$120/session
LMFT
17 years of experience
Virtual
My name is Kathy Kelly, and I am a Licensed Marriage and Family Therapist. I have been licensed since 2009 and have experience working with individuals, adolescents, and families in crisis. I specialize in depression, anxiety, trauma, grief, adjustment disorders, and understanding behavior patterns that are set from childhood. I have extensive experience working with individuals who are experiencing difficult life changes, stress, and chronic mental health disorders. The most common approaches that I use are cognitive behavioral therapy, dialectical behavioral therapy, emotionally focused, mindfulness, solutions focused, grief, and trauma focused therapy. I am confortable working with various levels of life experiences, including childhood trauma, current stressors, life transitions, and I appreciate using psychodynamic and family systems therapy to help my clients understand and identify patterns of behavior, and negative thought patterns that originated from their past experiences. I provide a safe space with the goal of making my clients feel welcome, comfortable, and at ease. I have been very successful at teaching clients coping skills, and helping clients process their feelings and emotions with the goal of finding peace, happiness, and an overall sense of well being. Your journey begins today and I will be there with you to guide you and support you.

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.

Regina Medina

(she/her)

Regina Medina, LCSW - California Therapist at Grow Therapy
$200/session
LCSW
35 years of experience
Virtual
Hi, I’m Regina, and I’m here to listen and support you with kindness and understanding. With over 35 years of experience as a Clinical Social Worker, I’ve walked alongside children, adolescents, families, and adults facing life-threatening illnesses and chronic conditions. I’ve also provided compassionate employee assistance counseling, private case management (ACMA) consultation, and psychotherapy — all aimed at helping you navigate crises, mental health challenges, and assessments with care and expertise. My goal is to help you find healing, hope, and personal growth as you build resilience for a healthier future. In our work together, I prioritize creating a safe and nurturing space where your individual story matters deeply. I practice trauma-informed therapy, which means I honor the ways stress and trauma shape your experience while gently exploring their roots. My specializations include medical, perinatal, legal, and workplace-related stress or trauma, all approached with empathy and respect to support your healing journey. Single Session Therapy (SST) is available for brief counseling support. References Yadav G, McNamara S, Gunturu S. Trauma-Informed Therapy. [Updated 2024 Aug 16]. In: StatPearls [Internet]. Treasure Island (FL): StatPearls Publishing; 2025 Jan-. Available from: https://www.ncbi.nlm.nih

Haley Baker

(she/her)

Haley Baker, LMFT - California Therapist at Grow Therapy
$210/session
LMFT
12 years of experience
Virtual
I have been providing individual and group therapy for over a decade. I can support you in learning to regulate your emotions, developing self-awareness, identifying and communicating your emotions, practicing and developing social skills and awareness, increasing self-compassion, improving communication skills, clarifying your personal values, goals, and intentions, learning how to advocate for your needs, and improving your personal relationships.

Tabitha Baldwin

(she/her)

Tabitha Baldwin, LMFT - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LMFT
22 years of experience
Virtual
Hi! I’m a Licensed Professional Counselor and Licensed Marriage and Family Therapist who is licensed in multiple states (Arizona LPC 21251, California LMFT 46032, Montana LMFT 62275, New Jersey LMFT 37F10021560, Idaho LMFT 9031, California LPCC 1250). I received my Masters from California State University and have been practicing for over 20 years. I specialize in helping people navigate anxiety, sadness, loss, and infertility issues from a faith based perspective (if desired). I am passionate about coming alongside people to hear their story and to assist them in finding a new path forward.

Heather Quisenberry

Heather Quisenberry, LMFT - California Therapist at Grow Therapy
$160/session
LMFT
10 years of experience
Virtual
Congratulations on getting this far and reading my profile. Taking the first step to start or resume therapy can feel overwhelming and I understand how scary it can be. My own life journey has brought me to the passion I have for helping others navigate the human experience. In my therapeutic work, I strive to create a warm, safe environment where you can be yourself. My style is collaborative and authentic – I believe that therapy works best when we approach it as a team. I am not a "blank slate" therapist, meaning that you can expect me to engage with you, using humor when appropriate, metaphor and even occasional sharing from my own experience. Building rapport, trust and safety inside this sacred space we will share is my first therapeutic goal.  Since the relationship you have with your therapist is one of the most important factors in the success of treatment, I offer a 15-minute free consultation to see if we are a good fit. Feel free to schedule this time and bring any questions you may have to that appointment.

Sarah Jones

Sarah Jones, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$150/session
LCSW
5 years of experience
Virtual
Hi! My name is Sarah Jones. I am a Licensed Clinical Social Worker (LCSW) licensed in both California and Idaho. I received my Master's degree from San Diego State University in 2020 and have been practicing psycho therapy since. I help young and middle aged adults with anxiety, depression, self esteem, communication, and connecting current emotions/behaviors to deep routed wounds. Visit my website to learn more about services and effective solutions. https://www.thmtherapy.com/

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.

Reina M. Michelle

Reina M. Michelle, LMFT - California Therapist at Grow Therapy
$150/session
LMFT
18 years of experience
Virtual
Welcome! I am Reina Michelle, a Licensed Marriage and Family Therapist who specializes in helping people who are going through difficult times in their lives. I work with "individuals only" to express their feelings and learn to communicate better with their partner and family. Patterns in stuck relationships can be changed with learned skills and empathy towards one another. All one needs is the desire to change old tired behaviors into new successful ones. I am licensed and have a Master's Degree in Counseling Psychology from JFK University in San Jose, CA. Life is too precious to put off your happiness and well-being any longer. Helping you to improve your life is important to me. It is truly an honor to meet you.

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.

Sarah Sack

(she/her)

Sarah Sack, LCSW - California Therapist at Grow Therapy

Frequently rebooked

$165/session
LCSW
4 years of experience
Virtual
Hello and welcome! Asking for help is no small feat, and your being here means you are taking that courageous first step toward your emotional, mental, and spiritual well-being! My name is Sarah and I am a Licensed Clinical Social Worker experienced in working with adults struggling with anxiety, depression, relationship issues and codependency, low self-esteem, identity, trauma, grief, and life transitions. I take a whole person approach to help you gain the hope, skills, and confidence to navigate life’s challenges, make meaningful change, and manage your mental health and well-being and successfully. Together we can work to build the bridge from where you are now to a life with more joy, resilience, and possibility. You are no less worthy than anyone else of a full and meaningful life, and I believe that whole-heartedly. I am here to create a safe, supportive, and non-judgmental space for you to find growth and healing. I will meet you where you are at, remain open and curious about your experiences, and partner with you to identify and work towards your goals. I believe in the healing power of showing up authentically, creating a trusting relationship with you, and even sharing some laughs along the way.

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.

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 Coping Skills?

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, Coping Skills, 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.