Therapists that accept Cash Pay in Florida

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 1090 verified therapists in Florida 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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Availability updated: 7/13/2025

Debra Dragomir

Debra Dragomir, LCSW - Florida Therapist at Grow Therapy
$120/session
LCSW
6 years of experience
Virtual
I am deeply committed to supporting individuals across all stages of life as they navigate complex emotional and mental health challenges. My experience working with diverse age groups has given me a profound appreciation for the resilience of the human spirit, whether guiding young clients through developmental struggles, assisting adults in overcoming life transitions, or helping seniors find meaning and peace. I integrate evidence-based therapeutic approaches with compassionate, person-centered care, fostering a safe space for healing and growth.

Laura Schwades

Laura Schwades, LMHC - Florida Therapist at Grow Therapy
$100/session
LMHC
11 years of experience
Virtual
Welcome!! I’m Laura Schwades, a Licensed Mental Health Counselor in Florida. If you are reading this, it likely means you are going through something difficult, and I want you to know that you are not alone. Whether you are feeling anxious, overwhelmed, stuck in sadness, or trying to make sense of past trauma or substance use, I see your courage in looking for support. It takes strength to ask for help, and I truly honor that step. I specialize in working with adolescents and young adults who are navigating these very challenges. I understand how heavy life can feel at times and how hard it can be to open up, especially when you are unsure if anyone will truly listen or understand. My goal is to create a space where you feel safe, supported, and never judged; a space where we can talk openly and work together to help you find clarity, confidence, and healing. I will meet you where you are, and together we will build tools that help you manage emotions, understand yourself more deeply, and create meaningful change in your life. Whether you are just starting out or have tried therapy before, this is your space, and I am here to help guide you through it. You do not have to carry it all alone. Healing takes time. But it starts with a single step, and I would be honored to be part of that journey with you. If you are ready to talk, I invite you to reach out. I am here when you are ready.

Rian Merrick

(he/him)

Rian Merrick, LMHC - Florida Therapist at Grow Therapy
$150/session
LMHC
14 years of experience
Virtual
Congratulations on taking one of the most difficult steps in your journey: reaching out for help! My name is Rian, and I am a licensed mental health counselor and certified group facilitation specialist with over fourteen years of experience in working with LGBTQ+ adults, youth and parents, mood disorders, anxiety, depression, autism spectrum disorder, eating disorders, relationship dynamics, marriage and family, and ethical non-monogamy, with a specialization in group facilitation and a Caribbean background.

Daniel Celmer

Daniel Celmer, LMHC - Florida Therapist at Grow Therapy
$150/session
LMHC
10 years of experience
Virtual
I’m a human first and a therapist second. I believe in showing up authentically, because real connection is what helps people heal. I care deeply about creating space for people to feel safe, heard, and respected. I don’t pretend to have all the answers—but I know how to walk beside you as you find your own. Who I am is someone who believes in your ability to grow, even when things feel messy.

Kaylee Muñoz

(she/her)

Kaylee Muñoz, LCSW - Florida Therapist at Grow Therapy
$85/session
LCSW
5 years of experience
Virtual
I am someone who believes all people have the capacity to heal, grow, and live fully when given the right support. I recognize that life has many challenges and sometimes we just need help in facing the obstacles in our way. I became interested in psychology and understanding people after my brother was diagnosed with schizophrenia and I saw a drastic change in who he was as a person. This journey of trying to understand people, started in middle school, continued through college where I fell in love with Psychology, and into my masters program where I got a degree in Social Work. I started a career as a mental health therapist in 2019, and I continue my journey of learning and growing to better serve the needs of my clients now and in the future.

Rebecca Montrose

(she/her)

Rebecca Montrose, LCSW - Florida Therapist at Grow Therapy
$150/session
LCSW
6 years of experience
Virtual
I am a Licensed Clinical Social Worker (LCSW) based in Florida. I graduated with my Masters from Florida State University in 2019, but I have been working in the social work field 10 years. I have worked with young children all the way up to adults with dementia related illnesses and their caregivers. I love to help children and teenagers be able to tell their story, to get to know and love themselves, and to learn to advocate for themselves.

Magda McGuire

(she/her)

Magda McGuire, LMHC - Florida Therapist at Grow Therapy
$150/session
LMHC
9 years of experience
Virtual
I'm Magda McGuire, a bilingual (English/Spanish) Licensed Mental Health Counselor. My commitment to my profession is evident through almost a decade-long career in counseling, where I have honed my expertise in affirming client centered therapy and cognitive-behavioral therapy. I have experience working in hospital settings as a liaison counselor assisting patients and their families to navigate end-of-life challenges, serious mental illnesses, adjustment issues and crisis situations. I also have experience working in jail settings with individuals from all walks of lives facing challenges such as adjustment issues, serious mental illness, anxiety, depression, guilt, shame, remorse, addictions, suicide attempts, crisis and many more challenges.

Shlomo Lawrence

(he/him)

Shlomo Lawrence, LMFT - Florida Therapist at Grow Therapy
$120/session
LMFT
16 years of experience
Virtual
Every day may not be good But there is something good in every day! Welcome! My name is Shlomo! I am a licensed therapist with over 14 years of experience working in the mental health field. I am licensed to practice both in the State of Florida and Texas. I am a Licensed Marriage and Family Therapist and have also been trained by EMDRIA to perform EMDR therapy. I completed my studies at Nova Southeastern University in Davie, Florida. I have experience working with clients who have a broad range and severity of clinical issues. I have experience working with substance abuse sufferers, trauma victims, families or couples struggling with relationships and marriage, and inter-familial conflict. Clinically, I have years of experience working with individuals struggling with spectrum disorders, obsessive behaviors, struggling with anxiety and depression. My modalities of treatment include: CBT, DBT, Solution Focused, Narrative and Client-Centered therapy. I have worked in a variety of settings including community-based treatment, addiction treatment that includes co-occurring disorders, and years of experience working in a trauma setting to support clients experiencing PTSD and other traumas. I have extensive training in EMDR and has experienced tremendous outcomes with this modality. I'm available locally for in person counselling and tele therapy. I'm very much looking forward in working with you and embarking on this journey of healing together. Lawrencetherapies.com Specialties • OCD • Depression • Trauma • ADD/ADHD • PTSD • Anger Management • LGBTQIA+ • Bipolar Disorder • Panic Disorders • Anxiety • Grief, Loss • Addiction • Family Issues and Couples • Stress • Cultural & Ethnic Issues • Eating Disorders

Tahaji Smith

(she/her)

Tahaji Smith, LCSW - Florida Therapist at Grow Therapy
$120/session
LCSW
2 years of experience
Virtual
My name is Tahaji Smith. I am currently an MSW graduate, and an LCSW with 20+ years of public service experience. Previously, I worked for 17 years as an Emergency Public Safety Communications Operator for one of the largest law enforcement agencies in the nation, but I decided to pursue a career doing what I love…helping others become the best version of themselves.

Nichole Jefferson

Nichole Jefferson, LMHC - Florida Therapist at Grow Therapy
$115/session
LMHC
1 year of experience
Virtual
Greetings! I am a licensed mental health therapist with experience working with adults and adolescents with ADHD, mood disorders, bipolar, autism, antisocial disorder, borderline disorder, anxiety, depression and more. I am a National Certified Counselor that have spent more than 20 years passionately serving and motivating individuals of all ages and backgrounds. I have served in the prison population, in residential facilities, and hospital. In my spare time, I enjoy being in nature, and spending time with my family. I offer a safe space where you can be vulnerable regardless of where you are on your therapeutic journey. CBT, DBT, and motivational interviewing techniques are utilized to position my clients develop and maintain long-term coping skills. I specialize in teaching effective communication skills that will help you both personally and professionally. You are not alone, on this journey. We understand the challenges of managing your mental health and well-being and are here to help you create new paths. Are you ready to be victorious? Let's go on a therapeutic journey that can positively impact your life.

Olivia Caser

(she/her)

Olivia Caser, LMHC - Florida Therapist at Grow Therapy
$100/session
LMHC
6 years of experience
Virtual
Aloha, I’m Olivia—a Licenses Mental Health Counselor, military spouse, and yogi—devoted to helping others grow, heal, and thrive. I have experience working with children, adolescents, adults, & families navigating a wide range of mental health needs. My approach is holistic—I consider how your mind, body, relationships, and environment all play a role in your well-being. As someone who values the whole person, I integrate evidence-based approaches with holistic practices that support emotional, mental, and physical wellness. My style is compassionate, collaborative, and focused on creating a trusting space centered around you. In our work together, you can expect to gain insight, build resilience, and develop practical tools to move through life’s challenges.

Beth Marcinski

(she/her)

Beth Marcinski, LMHC - Florida Therapist at Grow Therapy
$115/session
LMHC
6 years of experience
Virtual
I am a Licensed Mental Health Counselor and I have been working as a therapist since 2019 and I am honored that you are thinking of choosing me to help you navigate through life's challenges. I received my Masters degree from Asbury Theological Seminary's Florida Dunnam Campus. I have experience helping others through anxiety, depression and trauma to find healing and improved quality of life.

Talia Waitkus

(she/her)

Talia Waitkus, LCSW - Florida Therapist at Grow Therapy
$150/session
LCSW
20 years of experience
Virtual
I started In Between Counseling because I know firsthand how overwhelming life’s transitions can be—whether it’s navigating the teenage years, stepping into adulthood, or figuring out who you are in the chaos of work, relationships, and parenthood. I specialize in helping teens and adults manage stress, anxiety, and depression, guiding them through the messy "in-between" moments of life with humor, empathy, and straight-to-the-point honesty.

Kelley Flynn

Kelley Flynn, LMHC - Florida Therapist at Grow Therapy
$120/session
LMHC
3 years of experience
Virtual
Do you feel like nobody really understands you? Do crowded places leave you overstimulated and drained? Perhaps you avoid social situations, struggle to focus or experience constant mental fog. You might be questioning if you have ADHD or autism, or you might already know and you are seeking someone who understands your experiences. Anxiety might increase with routine changes, leaving you feeling stuck and unable to complete tasks despite your efforts. You may catch yourself wishing to escape or needing someone to truly listen. If you relate to any of this, remember you’re not alone, and you don’t have to face it by yourself.

Shanelle Damaso

Shanelle Damaso, LCSW - Florida Therapist at Grow Therapy
$100/session
LCSW
7 years of experience
Virtual
I’m a Licensed Clinical Social Worker with 7 years of experience supporting individuals and families through a range of life challenges. My work has focused on helping clients manage anxiety, depression, low self-esteem, school-related issues, and major life transitions. I am also certified to support those living with chronic pain. In my practice, I strive to create a warm, safe, and nonjudgmental space where clients feel heard, respected, and supported. I view therapy as a meaningful conversation—one where I walk alongside you as a compassionate listener and trusted guide. I’m deeply passionate about helping people unlock their potential and move toward a life that aligns with their values and goals. As the child of Jamaican immigrants, I bring a culturally informed lens to my work and value the richness that diversity and inclusion bring to the therapeutic process. My faith also grounds me and informs my commitment to providing ethical, compassionate care. I look forward to the opportunity to support your growth and help you build the life you envision.

Montavious Bryant

Montavious Bryant, LCSW - Florida Therapist at Grow Therapy
$100/session
LCSW
10 years of experience
Virtual
Our current political and economic climates give many causes for concern. It can affect daily life, such as work, home, school, and social circles, essentially taking the fun out of what was once pleasurable. The same things that DO seem to help can eventually cause more pain. Who can you talk to when no one is listening? It would be helpful to have someone to talk to who can be objective, non-judgmental, and open-minded...but who could that be? Hello, I'm Montavious. What sets me apart is an ear for listening, a guiding approach, and an interest in helping you to overcome these obstacles. Join me by scheduling an appointment for a fitting. No one cares what you know unless they KNOW that you care! Contact me now to find out how!

Kimberley Knapp

(she/her)

Kimberley Knapp, LMHC - Florida Therapist at Grow Therapy
$75/session
LMHC
3 years of experience
Virtual
Greetings! I'm a Licensed Mental Health Counselor based in Florida. I received my Masters from The Chicago School of Professional Psychology and have been practicing for three years, after having worked in the public school system for over 20 years. For the past three years, I have been working with children and families, but also specialize in working with all populations with a vast array of concerns.

Christy Evans

Christy Evans, LCSW - Florida Therapist at Grow Therapy
$35/session
LCSW
15 years of experience
Virtual
Hi there - I am a Licensed Clinical Social Worker. I completed my Master of Social Work degree at the University of South Florida. I also have a Bachelor degree in Psychology from Southeastern University. I have worked in the mental health field for 15 years. I have provided case management services, family therapy, parenting skills, romantic relationships skills, and other counseling services for people facing life’s many problems.

Katherine C. McDonald

(she/her)

Katherine C. McDonald, LMHC - Florida Therapist at Grow Therapy
$200/session
LMHC
5 years of experience
Virtual
Hello! I'm Katherine McDonald, a licensed Mental Health Counselor with a passion for human connection. My clients describe me as warm, compassionate, real and down-to-earth. I specialize in treating anxiety, depression, trauma recovery, PTSD, and grief. With extensive experience in trauma work, I can help you heal from painful events, finding hope and renewed energy for life. In addition to working individually with teens and adults, I also practice couples therapy

Suzanne Stokes

(she/her)

Suzanne Stokes, LMHC - Florida Therapist at Grow Therapy
$125/session
LMHC
39 years of experience
Virtual
I have worked as a Mental Health Therapist for 30 years and I love my work as much today as the day I started. I am a Licensed Mental Health Counselor and a Certified Addictions Professional. I am honored to join people where they are at on their journey. I focus on positive goals for getting back on track or even transformation. As I realize the courage it takes to come to therapy, I focus on the patient/therapist relationship. There must first be an experience of safety and trust. Then, of course, the therapeutic work will follow. I utilize a warm, relaxed style with fierce reflection or gentle support as needed. I believe that everyone benefits from a therapeutic experience to attain the best version of themselves for the best quality of life. 1 utilize humor combined with therapeutic skills which makes my approach unique. Laughter isn't always appropriate, but it can be very helpful with reframing and bringing down barriers. With so many years of experience and training, I have a broad skill set and utilize multiple interventions to create a unique treatment plan for each person, couple, or family. Some of the modalities that I frequently utilize are: Solution- Focused therapy, Cognitive Behavioral Therapy, Psycho-education, Systems Theory, Emotion Focused Therapy, Behavioral Modification, Skills training and Motivational interviewing/coaching.

Lucas Stinnett

Lucas Stinnett, LPCC - Florida Therapist at Grow Therapy
$100/session
LPCC
6 years of experience
Virtual
Life isn’t always sunshine and rainbows; it can be filled with challenges, difficulties, and hardships. I believe that life is all about perspective and the way we react to problems. Our trials and tribulations are opportunities for us to grow into stronger and wiser individuals. When challenges arise, most people ask, "Why?" I encourage my clients to change their mentality by asking, "How?"—how can I use this to grow and learn, make myself smarter and wiser?" I am a firm believer in empowering clients with the tools and knowledge needed to live a more fulfilling and productive life. With 8 years of sobriety and personal experience battling my own challenges, I know how helpful therapy can be in helping a person rebuild their life and become the person they want to be.

Lisa Amodeo

Lisa Amodeo, LMHC - Florida Therapist at Grow Therapy
$100/session
LMHC
30 years of experience
Virtual
Lisa Amodeo 30 years of experience and is dual Licensed Mental Health Counselor in Florida and Licensed Clinical Professional Counselor in Illinois. She holds her Master’s Certified Addictions Professional (MCAP) through Florida Certification Board and is Certified Reciprocal Alcohol & Drug Counselor (CRADC) from Illinois Certification Board, Inc. She is trained in EMDR through Emdria. Lisa received her Master’s degree in Educational Psychology in Mental Health Counseling from Southern Illinois University at Carbondale in 1992. She grew up and was raised in South Florida. She has worked in a variety of therapeutic settings, such as detox, residential, PHP, IOP, and aftercare levels of care in substance abuse treatment; as well as community mental health, NorthWestern Medicine medical Floors, Veteran Health Administration with children, young adults, adults, and families.

Josh Neri

Josh Neri, LMHC - Florida Therapist at Grow Therapy
$125/session
LMHC
10 years of experience
Virtual
I’m a Licensed Mental Health Counselor with over a decade of experience working with clients struggling with anxiety, depression, bipolar disorder, life transition problems, PTSD and substance use issues. I use Cognitive Behavioral Therapy alongside a Person-Centered perspective. Additionally I am a Master's Certified Addictions Professional. I am based in Miami, FL & open to serving anyone throughout Florida via Telehealth.

Desiree Williams

(she/her)

Desiree Williams, LMHC - Florida Therapist at Grow Therapy
$135/session
LMHC
6 years of experience
Virtual
Hi! My name is Desiree, and I'm the founder and owner of Light at the End Counseling Services, LLC. As a mental health therapist in the state of Florida, I specialize in working with adults, children, and teens struggling with anxiety and stress management. I also see individuals who struggle with self-esteem, relationships, and family issues. My style of counseling is characterized by a kind and direct manner, combined with compassion, in a culturally sensitive context. I am also a certified school counselor. My past work enhanced my professional experience as an educator in St. Lucie County and as a dependency case manager for The Department of Children and Families (DCF). I graduated with honors from Webster University with a Master of Arts Degree in Clinical Mental Health Counseling. I returned to graduate school to receive my Education Specialist Degree in School Counseling from Florida Atlantic University, graduating with honors. I was born and raised in Florida and enjoy spending time with my family at the beach, especially during those hot summer days!

Teresa Dore

Teresa Dore, LMHC - Florida Therapist at Grow Therapy
$90/session
LMHC
20 years of experience
Virtual
Hi, I am a Licensed Mental Health Counsellor (LMHC) based in South Florida. I received my Masters from Nova Southeastern University in Florida and have been practicing for over 20 years. I help people of all ages struggling with symptoms of depression, anxiety and mood disorders by assiting them with developing coping skills that they can use to reduce and/or manage their symptoms better.

Frequently asked questions

Why filter by Florida rather than a city like Tampa?

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 Florida from Miami to Jacksonville! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Florida.

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.