Therapists that accept Cash Pay in Kentucky

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 136 verified therapists in Kentucky 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: 8/18/2026

$120/session

Authentic
Intelligent
Humorous
Specialties
Coping Skills
Addiction
ADHD
+5
So, here we are. Life’s a bit of a mess, isn’t it? Maybe it feels like you’re starring in a horror movie, except no one handed you the script. I’m Kandace Barkham, and I help people like you. Those who are over the empty platitudes and ready for real change. I have an LCSW/LCADC. I hold a BSW and an MSSW from the Kent School. If you’re looking for a therapist who’s going to sit back, nod silently, and sprinkle some feel-good phrases your way… well, that’s not me. I’m here to help you actually get unstuck, and yes, we might even laugh at the absurdity of it all along the way. Let’s cut through the nonsense: trauma, addiction, mental health issues. they suck. But you know what sucks more? Pretending like everything’s fine and letting them control your life. Together, we’ll work through the heavy stuff. We’ll get into the mess, sort it out, and figure out how you can finally breathe a little easier. Therapy with me isn’t some endless loop of “and how does that make you feel?” It’s a collaborative process where I bring my expertise to the table, and you bring your courage to face what’s been holding you back.
VirtualAvailable
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$135/session

Warm
Direct
Empowering
Specialties
Coping Skills
Anxiety
Trauma and PTSD
+3
Hey, I'm Melanie. I 've been practicing since 1998 and believe that a strong therapeutic relationship is one of the most important factors for successful therapy. My style is warm, genuine, and down to earth. I strive to create a space where clients feel comfortable being themselves, knowing that they'll be treated with respect and without judgement. While I provide lots of support and encouragement, I also am willing to ask difficult questions and offer honest feedback when it's helpful.
Available
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$125/session

Authentic
Warm
Specialties
Coping Skills
ADHD
Anger Management
+10
I am a Licensed Professional Clinical Counselor with a passion for helping individuals and families heal from past experiences, develop healthy communication patterns, establish boundaries, and operate within a safe, loving dynamic. I am a certified trauma-informed care provider. I specialize in anxiety, depression, and trauma disorders. I believe your ability to grow lies within you. I look forward to working with you. Contact me to begin your healing journey today. Immediate openings for new clients.
VirtualAvailable
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New to Grow

$90/session

Specialties
Coping Skills
Anger Management
Anxiety
+8
Hello, I am Dennie Morrison, Jr., LPCC. I am a licensed mental health therapist with 21 years' experience working with children, adolescents and adults. I have a master's degree in mental health counseling with training in marriage and family therapy as well through Lindsey Wilson College. I have experience in working with individuals in treatments facilities, as well as community settings. My passion is to assist others in improving their quality of life through empowering them with necessary skills.
Available
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New to Grow

$100/session

Specialties
Coping Skills
Anxiety
Depression
+7
I’m a Licensed Professional Clinical Counselor (LPCC) in Kentucky and a Licensed Clinical Professional Counselor (LCPC) in Maryland, and I work with children, adolescents, and adults who are going through emotionally heavy or overwhelming seasons of life. My goal is to offer a space that feels safe, steady, and genuinely human where you don’t have to have it all figured out, and you don’t have to carry things alone. I support clients working through trauma, anxiety, depression, stress, emotional regulation, and life transitions, using evidence-based and trauma-informed approaches like CBT, TF-CBT, DBT, and CAMS. At the heart of my work is collaboration we move at your pace, build practical coping tools together, and focus on helping you feel more grounded, empowered, and hopeful in your day-to-day life.
Available
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New to Grow

$80/session

Specialties
Coping Skills
Anxiety
Depression
+10
I am an LPCC from Kentucky, I graduated with my Masters degree from WKU. I have been practicing therapy early on from internship to my LPCA, my LPCC, and soon I will be able to gain my supervisor credential and become an LPCC-S. I attempt to balance an empathetic approach with a scientific approach to therapy as I think it is important to view situations and client cases from both perspectives rather than only one. I like to remove rigid stereotypes of therapy and approach it with a more holistic and casual approach, again, with that added scientific foundation.
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$100/session

Authentic
Warm
Humorous
Specialties
Coping Skills
Mood Disorders
Trauma and PTSD
+8
Hi there! I’m Vanessa Sewell, a Licensed Professional Clinical Counselor and the owner of Boheme Holistic Clinical Services. I earned my bachelor’s degrees in Psychology and History from Western Kentucky University, and my master’s in Counseling and Human Development from Lindsey Wilson College. I’m currently working on my doctorate in Counselor Education and Supervision at Lindsey Wilson University (and yes, they did change the name!). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, inpatient behavioral health, geriatric services, and school settings for the last 6+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable
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Often rebooked

$125/session

Warm
Authentic
Open-minded
Specialties
Coping Skills
Anxiety
Depression
+8
Hey y’all, are you ready to break free from stress, anxiety, hopelessness, or self-doubt and create a life aligned with your true potential? I’m Nikki Layne, a Licensed Professional Clinical Counselor (LPCC) with over 10 years of experience guiding individuals through life’s toughest challenges. I was born and raised in a rural town in Eastern Kentucky. I know how isolating it can feel to be unsure of who to turn to or how to move forward. That’s why I’m committed to providing a safe, non-judgmental space where you can truly be yourself, explore your feelings, and discover your strengths. My personal experiences inspired me to open my private practice, Counseling in the Holler, LLC; having navigated challenges myself, I wanted to create a space where others could find support, healing, and understanding in a compassionate, inclusive environment. So whether you’re facing anxiety, depression, self-identity struggles, addiction, or LGBTQI+ issues, I’m here to help you break free from what’s holding you back and create the life you deserve.
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Often rebooked

$75/session

Authentic
Warm
Humorous
Specialties
Coping Skills
Anxiety
Peer Relationships
+10
Hi, I’m a Licensed Clinical Social Worker dedicated to helping children, adolescents, and families navigate anxiety, trauma, behavioral challenges, and life’s stressors with compassion and practical support. I use a warm, collaborative, and strengths-based approach to help clients build coping skills, improve emotional wellness, and move toward healing and growth. I strive to create a safe, supportive space where clients feel understood, empowered, and equipped with tools for lasting change. For clients who desire it, I also welcome integrating Christian faith into the counseling process as part of holistic healing.
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$80/session

Authentic
Direct
Empowering
Specialties
Coping Skills
Addiction
Depression
+9
I have been a therapist for over 12 years. I understand that life presents it challenges and that my job is to help you navigate those challenges so that you can live the life you deserve. You are the expert in your life I greatly appreciate you willing to let me on this journey with you. I believe that this is your journey and i am just along to give assistance on the way.
VirtualAvailable
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New to Grow

$90/session

Specialties
Coping Skills
Anxiety
Depression
+10
Hello and welcome! My name is Mistie Price and I am Licensed Professional Clinical Counselor with 24 years of experience. Taking the first step to start therapy requires courage and so I first want to commend you for taking that step. My practice is built on the belief that you deserve a safe, non judgmental space to explore what ever life challenges you are facing. I combine my years of clinical experience with the evidence based methods and practices for a collaborative and compassionate approach to help you reach your goals! I primarily work with adults of all ages; however I do have 14 years of experience in working with children and adolescents. Because this is a virtual practice I will accept clients ages 17 and up. We can work together to navigate any issues or challenges you may be facing. I have two decades of experience working with a variety of mental health disorders including but not limited to; Depression, Anxiety, Mood Disorders, ADHD, PTSD, Domestic Violence, and Substance Abuse.
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New to Grow

$100/session

Specialties
Coping Skills
Life Transitions
Self Esteem
+9
Si estás pasando por momentos difíciles que te causan angustia, puedo ayudarte. El objetivo de cada sesión es que adquieras una nueva perspectiva sobre tus desafíos personales, reconozcas los recursos disponibles en ti misme y en tu entorno, redefinas el significado de tu vida, y vivas a plenitud. Soy psicoterapeuta y evaluadora psicológica bilingüe, autorizada para ejercer la psicología y consejería en el estado de Kentucky. Presto servicios a la comunidad como especialista de la salud mental con más de 10 años de experiencia en diversos enfoques: ofrezco psicoterapia y evaluaciones psicológicas en inglés y español para adolescentes y adultos. Espero servirte -------------------------------------------------------------------------------------------- If you are going through difficult times that are causing you distress, I could be of help to you. The goal of each session is for you to gain a new perspective on your personal challenges, recognize the resources available within yourself and your environment, redefine the meaning of your life, and live it to the fullest. I am a bilingual psychotherapist and psychological assessor authorized to practice counseling and psychology in the state of Kentucky. I serve the community as a mental health specialist with more than 10 years of experience in various approaches: I offer psychotherapy and psychological assessments in English and Spanish for adolescents and adults. --------------------------------------------------------------------------------------------
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$125/session

Authentic
Direct
Empowering
Specialties
Coping Skills
Addiction
Family Conflict
+10
Hi, I'm Julie D'Anniballe, founder of D'Anniballe Counseling and Wellness. I'm a licensed mental health counselor with over 18 years of experience. Additionally, I am a supervisor for the Kentucky Board of Licensed Professional Clinical Counselors. At D'Anniballe Counseling and Wellness, I prioritize creating a nurturing environment for healing and personal growth. I provide mental health counseling to adults and teens who are seeking support, clarity, and meaningful change in their lives.
VirtualAvailable
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$100/session

Warm
Authentic
Empowering
Specialties
Coping Skills
Anxiety
Depression
+10
My name is Dominique Squire, and I am a Licensed Clinical Social Worker. At A Ray of Light, PLLC, I provide trauma-informed, holistic mental health care for individuals seeking balance, clarity, and emotional stability. My work is grounded in evidence-based therapy while honoring the connection between the mind, body, and spirit. I believe healing is not about fixing what’s broken, it’s about creating safety, regulation, and understanding so growth can happen naturally. Many of the clients I work with feel overwhelmed, emotionally exhausted, or stuck in survival mode. My role is to offer a supportive, compassionate space where clients can slow down, reconnect with themselves, and build sustainable coping skills. My approach integrates traditional therapeutic methods with nervous-system-informed practices that support emotional regulation and self-awareness. All care is collaborative, client-centered, and respectful of each individual’s values and beliefs. I do not impose spiritual or personal viewpoints; instead, I support clients in finding what feels grounding and aligned for them. Whether you are navigating anxiety, depression, life transitions, relationship challenges, or the impact of trauma, therapy can be a place to regain stability and rediscover hope. You deserve care that feels safe, thoughtful, and authentic. Please be aware that insurance companies do not cover documentation and court support. To provide these service, I require a minimum of 60 days of sessions to gather relevant information. The fees is payable via private pay. Please note that all requests may not be fulfilled if not clinically necessary.
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$100/session

Warm
Authentic
Intelligent
Specialties
Coping Skills
Serious Mental Illness
Suicidal Ideation
+10
Hi there! I am glad you are here! I'm Donnah. A little information about me. I have diverse experience working in community mental health, and I particularly enjoy working with adolescents, young adults, and their families. I strive to be the type of helper and ally that I would have benefited from as a teen. Transitioning to adulthood can be challenging, and I am passionate about supporting this population. Whether it's dealing with school challenges, choosing a career, facing emerging mental health issues, or navigating parental or relational difficulties, I am eager to help.I have a wide range of experience in community mental health and find great satisfaction in supporting adolescents, young adults, and their families. My goal is to provide the kind of support and understanding I would have valued as a teenager. Recognizing the difficulties of transitioning to adulthood, I am dedicated to helping this age group navigate challenges such as school pressures, career decisions, emerging mental health concerns, emotional regulation problems, and family or relationship issues.
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$100/session

Warm
Empowering
Authentic
Specialties
Coping Skills
Addiction
Anxiety
+7
As a Licensed Professional Clinical Counselor with over 20 years of experience specializing in substance use disorder treatment, I provide a unique understanding to the disease of addiction, anxiety, depression and other underlying conditions. I use a blend of cognitive-behavioral therapy, motivational interviewing, and faith based treatment. I am person of deep faith who loves his wife and 2 children. Family means a great deal to me and has been a wonderful support system to me along my life journey. I would love to help individuals find the support they need to assist them along their own personal journeys of life.
VirtualAvailable
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$90/session

Authentic
Direct
Solution oriented
Specialties
Coping Skills
Anxiety
Depression
+10
Hi, I'm Paul, a Licensed Clinical Social Worker who works with adults experiencing anxiety, depression, addiction, trauma, and life transitions. I attended the University of Cincinnati for undergraduate and Northern Kentucky for my Master's degree. I have worked in the mental health field for over twenty years and direct therapy for about twelve years. I use several types of modalities depending on the issue, including Motivational Interviewing, CBT, and Solution-Focused Therapy. I am a strong believer in general health and wellness and look forward to working with you to become the best version of yourself. Please feel free to contact me if you have any questions or need an appointment outside my available hours.
Available
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$120/session

Authentic
Warm
Direct
Specialties
Coping Skills
Anxiety
Depression
Hello, I am a Licensed Clinical Social Worker based in Central Kentucky. I have been working in the mental health field for 7 years with 5 of those years being a therapist. I received my undergraduate degree in 2017 at the University of the Cumberlands in human services. From there, I went and earned my master's degree in social work from Campbellsville University in 2019. I have been enjoying working with people and giving back to my community.
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Often rebooked

$100/session

Open-minded
Warm
Authentic
Specialties
Coping Skills
Anxiety
Depression
+10
My name is Kimberly Watkins. I am a Licensed Professional Clinical Counselor who cares deeply about helping you make your way. Being a native of a small town, I understand the challenges these communities face in gaining quality mental health care. Therefore, after college and getting married, I pursued higher education to fulfill my passion of becoming a counselor. Along the way, I have helped others in various capacities including displaced children and teen moms, working at a homeless shelter and grief center, teaching Social Emotional Learning classes to children in a school setting, providing school-based and outpatient therapy for children and adults in multiple mental health agencies and schools. I have also worked as a Group Therapist for teens/preteens in PHP/IOP Program. Through all these experiences I have gained a vast understanding and knowledge of challenges individuals and families face. I want to continue this journey by providing private individual therapy services. I seek to provide compassionate, client-centered counseling to individuals and families in communities. I seek to help individuals and families grow strong roots by encouraging clients to explore and utilize resources in their communities including family, friends, and faith-based services. I seek to help people address issues they are experiencing such as depression, anxiety, trauma, grief, and relational challenges. I will meet each client where they are and help them work through past and current pain to build a more balanced and manageable life. My goal is to support individuals and families in building healthier, more resilient lives across generations. My personal passion is to strengthen communities by increasing access to compassionate, high quality mental health care.
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$110/session

Warm
Direct
Empowering
Specialties
Coping Skills
Anxiety
Life Transitions
+2
I’m a mental health professional dedicated to helping individuals navigate life's challenges and enhance their well-being. Through approaches like Cognitive Behavioral Therapy and strength-based strategies, I support clients in identifying their strengths, overcoming obstacles, and achieving their personal goals. My goal is to create a safe, collaborative space where you can explore your thoughts and feelings, fostering growth and resilience along the way.
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$150/session

Authentic
Warm
Empowering
Specialties
Coping Skills
ADHD
Anxiety
+10
Hi there, I'm Leslie. Do you often find yourself overwhelmed by the demands of a busy life? Maybe you feel like something is "off" that you cannot quite identify. You may feel disconnected and experience frequent low moods. You might be someone who has been diagnosed or self-identified as neurodivergent, or you may be raising a neurodivergent child and feeling lost in coping with your feelings about how to navigate that challenge. You might be stuck in (or exiting) a romantic relationship that does not serve you, but you are struggling to find your path forward. Whatever the source of your anxiety, I am here to help! I support individuals across a spectrum of ages and circumstances to understand how to find their footing in their daily lives. I use a unique person-centered behavioral approach that is affirming and includes action steps to access change. When you meet with me, you will hear "real talk" grounded in evidenced-based techniques. Together we will discover a path to a more manageable daily life that fits your specific circumstances. Congratulations on taking the step to seek support through therapy. l look forward to working together!
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$115/session

Authentic
Warm
Empowering
Specialties
Coping Skills
Addiction
Addiction
+12
Hi there, I'm Emma. I admire your courage in taking the first step to improving your mental and emotional well-being. Are you struggling to find a sense of inner peace and contentment? Feeling misunderstood? Overwhelmed by endless self-defeating thoughts? Exhausting all efforts to cope with pain, trauma, fear, relationships, loss, stress? As a client-centered, holistic therapist I'll hold a safe, supportive space for you to show up as your authentic self to cultivate healing and wholeness. I'm a Licensed Clinical Counselor in Kentucky and have worked with adolescents and adults treating anxiety, depression, addiction, and other mental health challenges. If you’re ready to actively seek a happier, healthier life, contact me to set up an appointment. I look forward to hearing from you.
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$120/session

Warm
Authentic
Solution oriented
Specialties
Coping Skills
Anxiety
Mood Disorders
+6
Hi, I’m Marie — a therapist who believes that change is always possible, no matter where you are in life. My goal is to help you feel better emotionally, think more clearly, and move toward a future that feels fulfilling and peaceful. In our sessions, we’ll work together to understand what’s been holding you back and find practical ways to move forward. I use Cognitive Behavioral Therapy (CBT) to help you notice how your thoughts affect your emotions and actions—and teach you tools to shift negative thinking. I also use a solution-focused approach, which means we’ll focus on your strengths, celebrate what’s working, and create small, realistic steps that bring real progress. I often work with adults who are struggling with depression, anxiety, or major life changes—like adjusting after a loss, a new diagnosis, or changes that come with getting older. My approach is supportive and empowering. I want you to feel heard, encouraged, and equipped with the tools to handle life’s challenges with more confidence and hope.
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$75/session

Specialties
Coping Skills
Anxiety
Depression
+5
What would your life be like if the things that are causing you problems weren't so much of a problem? How much better would your daily life be if the raging wildfire of debilitating emotions and thoughts inside you was reduced to a birthday candle? Whether our work together is addressing years of trauma that impacts your present day or brief, solution focused interventions for a problem that requires decisive action; we will count on years of experience and training to help us navigate the issues you face. Together, we will identify your strengths, cultivate them, and work to set you up for a life of continued success using your definition of what success looks like TO YOU. After all, it's your life and you are the expert in how to best live it. My career has been dedicated to helping others, especially those who have struggled with trauma disorder, such as PTSD. For the last three years I have specialized in working with children and teens in the Kentucky Foster Care system. Before that, I spent years working with adults, teens, and children in the outpatient clinical setting, veterans in transitional housing shelters with trauma and substance use disorders, children and adolescents in a psychiatric residential treatment setting, and as a case manager linking families to needed resources. Now, I have decided to use my skills in private practice to focus on helping my fellow Kentuckians, especially those in Appalachia, have access to high quality care that they don't have to leave home to access.
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Often rebooked

$100/session

Authentic
Warm
Solution oriented
Specialties
Coping Skills
ADHD
Anxiety
+4
I'm a dedicated therapist with several years of experience serving in Central Kentucky from 2018-2026. I've had the privilege of working with adolescents in school settings and individuals in rural areas. My experience has allowed me to help clients navigate a wide range of challenges, including anxiety, depression, relationship issues, ADHD, and grief. I'm committed to providing a safe and supportive space where you can explore your emotions, gain insights, and develop effective coping strategies.
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Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in Kentucky. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Kentucky from Bowling Green to Lexington! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Kentucky.

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need. For example, your selected specialty, Coping Skills, is filtering therapists in Kentucky that work with patients with similar concerns.

Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs. Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center.Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.