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 144 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: 5/21/2025

Michelle Bundrum

(she/her)

Michelle Bundrum, LCSW - Florida Therapist at Grow Therapy

Frequently rebooked

$95/session
LCSW
8 years of experience
Virtual
I’m Michelle (she/her) and I am a Licensed Clinical Social Worker in Central Florida.    Central Florida has been my home for over 15 years. I attended University of Central Florida where I completed both a Bachelors and Masters of Social Work.  During my Masters, I also specialized in Military Social Work and received training in Play Therapy.  Since then, I have gone on to work with families and youth, strengthening relationships, overcoming trauma (particularly sexual trauma), and building their self- worth. I have 6 years of experience as a Clinical Social Worker where I have been able to utilize my bilingual skills specifically with adolescents and their families. Along with acquiring skills in expressive therapies, therapy outdoors,  as well as superhero therapy to utilize fandom and creativity to help clients reach their Better Tomorrow. Currently I am an MSTI Florida Certified Sex Therapist. I am a mother, a wife, a survivor, and like you I am flawed.  Each of us is on a journey of self growth and discovery and I would love to be a part of yours.

Demetria "Dee Dee" Williams

(she/her)

Demetria "Dee Dee" Williams, LMHC - Florida Therapist at Grow Therapy
$165/session
LMHC
10 years of experience
Virtual
You DESERVE to Re-SET, To Re-FUEL, To Re-CHARGE. And then TAKE FLIGHT! Since entering the field of therapy I have learned to ascribe to the adage “all behavior has meaning.” Yes, ALL behavior. A deep curiosity for why we all act and think the way we do coupled with my own life’s challenges and experiences has led me to a place of compassion for not only my own life choices but compassion for others. Our thoughts lead to feelings, which leads to action. We are not always proud of our actions. As a woman, mother, wife, and veteran I know all too well the shame that comes with our personal choices and behaviors. I also know there is also a fear of JUDGEMENT when it comes to considering therapy. This is a no-judgement zone and if you are seeking a different feeling and action in your life then you have landed at the right place!

Walt McCreary

(he/him)

Walt McCreary, LCSW - Florida Therapist at Grow Therapy
$80/session
LCSW
35 years of experience
Virtual
Hello, I am an experienced MSW, LCSW with 30+ years of experience providing therapy and social services in a wide range of clinical settings: individual/group therapy, emergency crisis counseling, EAP and inpatient psychiatric hospitals. I have experience working with individuals, men and women, adolescents, couples and families. I have expertise working with clients/families dealing with bipolar, schizophrenia, anxiety, OCD, depression, adjustment disorders, anger, grief/loss, and family and medical issues. Personal info: Married 33 years, 4 children, 9 grandchildren. I enjoy cycling, fishing and visiting family. I am an active, healthy cancer survivor. I am retired, and my most recent full-time position; a medical case manager. I have a very flexible open schedule. I am a genuine- easy-going, non-judgmental person. I believe everyone has value and worth.

Joy Watkins

Joy Watkins, LCSW - Florida Therapist at Grow Therapy
$180/session
LCSW
22 years of experience
Virtual
Healing and restoring individuals and couples as a Therapist and Consultant specializing in Mental Health and Substance Abuse for 20+ years. I have worked with Adults, Adolescents, Teens and Young Adults extensively. I specialize in CBT Therapy, CBT Trauma Focused Therapy, Solution Focused Therapy, Client Centered Therapy, Motivational Interviewing, Domestic Violence and Strengths Based Therapy. For individuals or couple experiencing depression, anxiety, suicidal thoughts, fears or any other Mental Health issues I can assist you with combating these issues that are affecting your daily life using a strengths base approach.

Tammy Austin

Tammy Austin, LMHC - Florida Therapist at Grow Therapy
$200/session
LMHC
20 years of experience
Virtual
Hello and welcome! I’m Tammy Austin, a Licensed Mental Health Counselor (LMHC) with a passion for guiding individuals through life’s challenges towards a path of healing, growth, and authenticity. At my practice, we embrace the power of connection, understanding, and resilience in overcoming issues specific to women experiencing depression, anxiety, trauma, or ife transitions. In my practice I also work with men seeking deeper emotional connections within themselves and with others.

Brian Harris

(he/him)

Brian Harris, LMHC - Florida Therapist at Grow Therapy
$120/session
LMHC
14 years of experience
Virtual
Love can be experienced as a nebulous idea and a practical feeling across a lifetime. Brian Harris is a Licensed Mental Health Counselor, Certified Trauma-Focused Cognitive Behavioral Therapist, Qualified Mental Health Counselor Supervisor, and a Ph. D. Student in Clinical Sexology. He has over a decade’s proficiency in treating a myriad of concerns ranging from people who have persistent psychosis, neurodiversity, and sexual deviancy. Employed as a nursing assistant, opera singer, and first mate, Brian has appreciated and celebrated many people’s unique journeys. His ethical and sincere dedication to the overall wellbeing of each client is guaranteed.

Dareece Shaw

(she/her)

Dareece Shaw, LMFT - Florida Therapist at Grow Therapy
$110/session
LMFT
16 years of experience
Virtual
I am a Licensed Marriage & Family Therapist for the state of Florida and have been working in the field since 2009. I graduated from Chapman University with a Master's degree in Psychology and an emphasis in Marriage & Family Therapy. I have specific extensive experience working with individuals suffering from PTSD. I am also a Certified Clinical Trauma Professional (CCTP) and a Certified Clinical Anxiety Treatment Professional (CCATP). I'm not afraid to stand beside those who are dealing with the effects of trauma, and I'm open to helping you work through those feelings. Special note: I do not take on clients who are actively self-harming or suicidal. If that is the case, please seek someone with specific crisis training or emergency services. I believe that my role is to be completely present during the therapeutic process, serving as a guide and facilitator for my clients. I strive to create the safest space possible for people to express and process their feelings while learning how to better cope with stress. Don't hesitate to start your journey to improved mental health with me today!

Kellie Vazquez

Kellie Vazquez, LMHC - Florida Therapist at Grow Therapy
$126/session
LMHC
12 years of experience
Virtual
Life presents us with many challenges, and sometimes we may feel like we're moving backward instead of forward. It's at these moments that we define our next steps. Whether you're navigating parenting, processing trauma, or grappling with difficult questions, a holistic approach can support you internally and externally, nurturing your mind, body, and spirit. Remember, well-being is true wealth, and I encourage anyone seeking therapy to be motivated and ready to actively participate in their healing. "Healing is dependent upon the person who seeks it." -Kellie Vazquez

Kervin Isaac

(he/him)

Kervin Isaac, LMHC - Florida Therapist at Grow Therapy
$100/session
LMHC
4 years of experience
Virtual
Hey! I'm a Licensed Mental Health Counselor (LMHC) based in Florida. I received my Masters from the University of North Florida and have practiced for 4 years. I help anyone ranging from young adults to adults in their later years struggling with anxiety, depression, and other mental illnesses. In sessions, we will work together to identify common thinking traps and their influence on stress, anxiety, and depression. Therapy is a collaborative process. It is a space where we focus on you and it can be whatever you want it to be. You know your life better than anyone else will. Together, we can look back and identify growth areas, process trauma, and gain the tools we need to achieve our goals. This involves incorporating coping skills, self-care, and mindfulness techniques to disrupt a cycle of stress, anxiety, and depression.

Cornishia Simmons

(she/her)

Cornishia Simmons, LMHC - Florida Therapist at Grow Therapy
$90/session
LMHC
7 years of experience
Virtual
I am a Licensed Mental Health Counselor with a heart for people. Driven by passion and purpose, I chose the path of mental health counseling as a way to educate, empower, and encourage women, children, and adolescents to initiate change and strive towards a better tomorrow. Valuing the counselor-client relationship, I seek to truly know each of my clients. I received a Bachelor of Science degree in Psychology at the Florida A & M University and a Master of Science degree in Clinical Mental Health Counseling at the University of North Florida. I am credentialed as a Licensed Mental Health Counselor for the state of Florida.

Chelsie Maccarone

Chelsie Maccarone, LMHC - Florida Therapist at Grow Therapy
$145/session
LMHC
11 years of experience
Virtual
Are you looking to improve your emotional experience or going through a life transition? Do you feel over whelmed or anxious because you are stagnant and not gaining the results in life you desire? Perhaps you feel you are banging your head against the wall trying to recover, set boundaries or get through a dramatic change or transition in your life? I get it, overcoming the hurdles life throws at you can be challenging, I look forward to working together to find clarity and facilitate change! I focus on your individual strengths and help guide you to find solutions that work best for you.

Erin Morgan

(she/her)

Erin Morgan, LMHC - Florida Therapist at Grow Therapy
$150/session
LMHC
9 years of experience
Virtual
Hi! I'm Erin. I am a Licensed Mental Health Counselor with over 9 years of experience in a variety of settings in the mental health field. I utilize a goal-oriented, strengths based approach to empower clients and help them develop coping skills to deal with change, stress, worry, hopelessness, and symptoms of trauma, anxiety, and depression. I look forward to working with you!

Gillian Melendez Harris

(she/her)

Gillian Melendez Harris, LMHC - Florida Therapist at Grow Therapy
$130/session
LMHC
6 years of experience
Virtual
I am Gillian. I am a natural born empath. Do you struggle with the push through mentality? I want the individuals I work with to feel heard, to feel understood, to know they can be 100 percent themselves with zero judgment. I know finding the right therapist can be difficult. My approach is Person Centered based. This means I wholeheartedly believe a person has the capacity for growth. My specialties include working with individuals struggling with depression, anxiety, grief, and addiction. I incorporate Cognitive Behavioral Therapy and Mindfulness Based Therapy. I can help with navigating complex and uncomfortable emotions. Seeking therapy is an act of prioritizing yourself. It takes courage to be vulnerable. It can be difficult to get to a place of peace and find joy in the simplest of things when you are in that so to speak tunnel.

Brittany Chambers

(she/her)

Brittany Chambers, LMHC - Florida Therapist at Grow Therapy
$100/session
LMHC
3 years of experience
Virtual
Hi, I’m Brittany Chambers, and I am deeply passionate about helping individuals of all ages navigate life’s challenges. I believe that a strong, trusting therapeutic relationship is the foundation for meaningful growth and change. My goal is to create a safe, supportive space where clients feel heard, valued, and empowered to explore their thoughts, emotions, and experiences. With diverse experience in the mental health field, I have worked in both community mental health settings and private practice for the past 3 years. My approach is compassionate, client-centered, and tailored to each individual’s unique needs. Whether you’re facing personal struggles, life transitions, or mental health concerns, I am here to support you on your journey toward healing and self-discovery.

Lisa Rubenstein

Lisa Rubenstein, LMHC - Florida Therapist at Grow Therapy

Frequently rebooked

$150/session
LMHC
27 years of experience
Virtual
Hi there! I’m so glad that we found each other! My name is Lisa Rubenstein and 2024 is my 27th year in the behavioral health field providing therapeutic services for children and adults of all ages and their families. I am a Florida Licensed Mental Health Counselor (LMHC), and a Certified Florida Professional School Counselor (PSC: PreK-12th). My lifelong passion has been committed to helping others. If you are here, you have made the courageous decision to seek help on your healing journey! Ultimately, our goal is positive change, personal growth, empowerment, resilience, symptom management, and happiness all leading to a more stable and content life…WELCOME!

Susie Switzer

Susie Switzer, LMHC - Florida Therapist at Grow Therapy
$60/session
LMHC
17 years of experience
Virtual
I work extensively with people to assist them with improving relationships, work to improve management of anxiety, anger management while improving self-confidence, and self-esteem. I also work with depressive-based symptoms and teach coping and improved thought processes to create a lifelong change to your ability to meet your needs. Together, we will identify what's not working and get you back to a baseline that works for you. I work holistically, my therapy provides tools to support needs within yourself, your relationships, and your family dynamic. If you're dealing with overwhelming emotions and feelings, hurtful relationship issues or cycles of anxiety and depression, I'm here to help. I also have many years experience working with people with Autism as well as all Applied Behavioral modalities. When a person is seeking therapy, this is a huge leap of faith towards asking for help that I deeply respect and admire. I will provide a non-judgmental, compassionate space for you to heal and grow. In our sessions together, I will always meet you “where you are” and provide strength-based solutions through evidence-based techniques so you can overcome and move forward in your life. Let's get started!

Stephanie Bardales

(she/her)

Stephanie Bardales, LMFT - Florida Therapist at Grow Therapy
$100/session
LMFT
8 years of experience
Virtual
Greetings! Bienvenido! Let's take a moment to reflect on the courage it takes to begin therapy. You are brave. Change is hard, but the rewards of healing from distress, trauma and internal pain are powerful. As are you! I have experience helping people with trauma, anxiety, depression, grief, bereavement, loss, family/relationship conflicts, self-harm, anger management, parenting, child welfare system, foster care, adoption, school transitions, divorce, abortion, survivors of narcissism, career changes, stigmatized experiences and other major life changes. I can assist you identify patterns and help break the multigenerational trauma cycle and create new patterns to help you find fulfillment in your life. I love working with people from all ages and walks of life. We will work at your pace and challenge you when you are ready. I am happy to make accommodations as requested. I will ensure you have a safe space to process and complete the work that needs to be done to make therapy successful. Non-traditional beliefs, ideas, and experiences are welcomed to be explored without judgment or pressure to conform. In fact, some the most rewarding therapy sessions for my clients have been discussing unique philosophies that are contrary to popular opinion and culture. I pride myself in maintaining a strong work ethic, staying well organized, focused and applying strong self-care interventions. I work 4 jobs, 7 days a week, morning until night. I will do my absolute best to ensure our sessions begin and end on time. However, due to the nature of this career, there are occassions where I may be delayed with another person to evaluate for additional interventions (therapists are mandated reporters in Florida). Please keep this in mind when considering mental health services. If delays do occur, I apologize in advance. I will make sure you receive the best therapeutic services possible.

Imani Williams, MSW

Imani Williams, MSW, LCSW - Florida Therapist at Grow Therapy

Frequently rebooked

$150/session
LCSW
8 years of experience
Virtual
Do you feel like you are being held back because of a depressed mood, anxious feelings, or past trauma? Are you uncomfortable with being vulnerable, and trusting others? Are you struggling with shame or guilt? Imagine having meaningful relationships, feeling confident, and having more control over your life. What would that look like?

Shae Williams

(They/She)

Shae Williams, LMHC - Florida Therapist at Grow Therapy
$90/session
LMHC
6 years of experience
Virtual
Hi, I'm Shae, a Black non-binary Licensed Mental Health Counselor (LMHC) with over six years of experience supporting individuals and families in their healing journeys. My work is rooted in affirming care, with a focus on serving LGBTQ+ folks, BIPOC communities, neurodivergent individuals, and mothers and babies. I bring a trauma-informed, culturally responsive lens to therapy, blending modalities like CBT, DBT, mindfulness, and person-centered approaches to meet each client where they are. At the heart of my practice is the belief that healing happens in safe, authentic connection—and I’m honored to hold space for that process.

Julissa Reynoso

(she/her)

Julissa Reynoso, LMHC - Florida Therapist at Grow Therapy
$120/session
LMHC
11 years of experience
Virtual
Welcome! Please schedule a free 15 minunte consultation call with me before scheduling any sessions. This will let us know if we are a good fit. I graduated with a master’s degree in Mental Health Counseling from Nova Southeastern University and I am a Licensed Mental Health Counselor (LMHC) in the state of Florida. I have had the opportunity to work with families, individuals and couples (English and Spanish speaking) of diverse backgrounds in helping them through concerns such as grief, parent-child conflict, intergenerational conflict, trauma, depression, anxiety and so on. My therapeutic and advocacy experience has reinforced in me the value of helping others gain insight and implement strategies to move towards positive change.

Malisa Komolthiti

(she/her)

Malisa Komolthiti, LMFT - Florida Therapist at Grow Therapy
$125/session
LMFT
2 years of experience
Virtual
I'm a dedicated psychotherapist and Marriage and Family Therapist, happily serving clients in Indiana, Ohio, Florida, and Colorado. My training journey has led me to embrace EMDR techniques and Harvard's mindfulness approaches in clinical practice. With a doctorate in education and a master's in marriage and family therapy as well as being an intervention specialist, I'm thoroughly equipped to support the unique journeys of adults, children, teens, and parents.

Muriel Medina

(she/her)

Muriel Medina, LCSW - Florida Therapist at Grow Therapy
$100/session
LCSW
12 years of experience
Virtual
In my 12 years of experience, I have worked with individuals who are feeling emotionally stuck due to sadness, irritability, relationship-issues, anger, financial-loss, unresolved-trauma, loss of a loved one and/or anxiety. This may lead to a whirl-wind of emotional-instability that feels chaotic and uncontrollable. But know that you are not alone and there is hope. I will provide you with treatment focused on using evidence-based-practices such as Mindfulness Cognitive Behavioral Therapy, Solution Based Therapy and Interpersonal Therapy. I will engage you in creating a treatment plan that works for you! I will assist you in identifying your interest of focus (personal issues) and empower you to process and reach your goals and achieve emotional stability in therapy.

Brandy Davidson

(she/her)

Brandy Davidson, LMFT - Florida Therapist at Grow Therapy
$125/session
LMFT
8 years of experience
Virtual
Greetings! I am a Licensed Marriage Family Therapist (LMFT) for Florida, Maryland, and Texas. I received my Masters at Northcentral and have been practicing as a licensed clinician for 8 plus years. I work with individuals and couples to discover issues that are affecting their daily lives with the goal of improvement of self, not just in the temporary but long term.

Christine Kim

(she/her)

Christine Kim, LMFT - Florida Therapist at Grow Therapy
$120/session
LMFT
6 years of experience
Virtual
Hi there, I'm Christine. Are you feeling overwhelmed by the stressors of life, perhaps worsened by less than ideal relationships with those close to you? Do you feel held back by your past, or stuck in the same unhelpful cycles, unable to move forward in a productive way? I help individuals, couples, and families establish a new way of living that is more positive, healthier, and sustainable, so that they can enjoy greater satisfaction in their lives. I believe in treating everyone with respect, sensitivity, and compassion. Together, we'll identify ways to utilize your strengths and resources to find applicable solutions and greater healing. Whether you're dealing with relationship issues, family conflicts, or life changes, I'm here to help. Seeking therapy can be daunting, but you're making the right choice to take the first step. You deserve a safe space to heal and grow. I'm here to support you and empower you on your journey. Let's get started!

Spencer Lee

(she/her)

Spencer Lee, LMHC - Florida Therapist at Grow Therapy
$100/session
LMHC
10 years of experience
Virtual
In counseling, I believe in meeting my clients where they are and helping them achieve the goals they set for themselves. I want my clients to realize the decisions they make have consequences, good and bad, and like to assist them to remain accountable for their decisions. It is important for me to look at the client as a whole, to help determine the course of treatment that will suit them best. I look forward to helping you reach your goals.

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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 Racism?

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, Racism, is filtering therapists in Florida 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.