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 55 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: 8/17/2026

$125/session

Authentic
Warm

Specialties

Family Conflict
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

New to Grow

$90/session

Specialties

Family Conflict
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

New to Grow

$80/session

Specialties

Family Conflict
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.
Available

$130/session

Warm
Authentic
Open-minded

Specialties

Family Conflict
Anxiety
Grief
+9
Madison is a seasoned therapist with over 12 years of experience dedicated to empowering women and mothers through their mental health journeys. Madison creates a safe and supportive environment where her clients can explore their feelings and build resilience. Using Cognitive Behavioral Therapy (CBT) as a foundational approach, Madison focuses on helping clients challenge negative thought patterns and develop healthier coping strategies. She is also Health at Every Size® (HAES) trained, promoting a holistic understanding of health that celebrates body diversity and encourages self-acceptance. Madison’s compassionate and client-centered approach has made her a trusted ally for many women navigating the complexities of motherhood, self-image, and mental health. She believes in the power of connection and is committed to helping her clients find their strength and voice in their healing journeys.
VirtualAvailable

$100/session

Authentic
Warm
Humorous

Specialties

Family Conflict
Coping Skills
Mood Disorders
+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

$100/session

Authentic
Direct
Empowering

Specialties

Family Conflict
Anxiety
Self Esteem
+10
Hello! I am a Licensed Marriage & Family Therapist as well as a Licensed Clinical Social Worker. I have over 10 years experience in the field and I am passionate about client empowerment, taking a strengths-based approach to person-centered therapy She enjoys working with individuals, couples and families; supporting and collaborating with clients through the challenges of life. Some of the treatment areas of service include adolescent counseling, racial trauma, religious trauma/conflict, substance use recovery counseling, and lifestyle and professional planning and guidance. “My goal is the help each client to reach the highest and best version of themselves through empowerment, healing, and evidence-based practices.” My Favorite Things: •Travel- My favorite hobby is collecting stamps in my passport! I love exploring other countries and cultures. Travel is the one of greatest educators. •Family Time- I come from a large family so I love getting together for Sunday dinners and family gatherings. •Hair & Beauty- I’ve been licensed as a cosmetologist for 20 years and I utilize those skills as another avenue for helping clients become the best version of themselves!
VirtualAvailable

$125/session

Authentic
Direct
Empowering

Specialties

Family Conflict
Addiction
Mood Disorders
+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

$150/session

Authentic
Warm
Empowering

Specialties

Family Conflict
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!
VirtualAvailable

$115/session

Authentic
Warm
Empowering

Specialties

Family Conflict
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.
VirtualAvailable

$150/session

Warm
Authentic
Humorous

Specialties

Family Conflict
Anxiety
Depression
+10
Hi, I am honored you are taking time out of your busy day to consider me as your therapist. I am a Licensed Clinical Social Worker in Pennsylvania and Kentucky. I received my Masters in Social Work from Marywood University and have been practicing for 20+ years. I assist individuals like you — thoughtful, resilient, and ready to face the hard things, even when they feel confusing or uncertain - through empathy, compassion, and challenge.
VirtualAvailable

$100/session

Warm
Authentic
Open-minded

Specialties

Family Conflict
Anxiety
Coping Skills
+5
Hello. I am a follower of Jesus Christ, and I'm also a Licensed Clinical Social Worker based in Illinois. I have worked in the field of Social Work for 25 years at the Bachelor's level, including case management for at-risk youth, CPS investigations and medical social work. I received my Master's of Science in Social Work from the University of Louisville and have been practicing five years. At this time, I provide individual therapy to adults dealing with anxiety, depression and trauma among other issues. We work to recognize triggers/barriers to successful living and then learn to effectively reframe these in order to be a better version of yourself.
VirtualAvailable

$125/session

Warm
Authentic
Solution oriented

Specialties

Family Conflict
Anxiety
Depression
+10
I have been working in this field since 2014. I am experienced in many approached and modalities including Cognitive Behavioral Therapy and Motivation Interviewing. I am offering Individual, Couples, and Family Therapy Sessions. Let’s meet and see how I can help you work through those things that are hindering you or overwhelming you. May that be trauma or life changes. How can I support you in your time of need? How can we get you Ready To Bloom?
VirtualAvailable

$100/session

Warm
Authentic
Empowering

Specialties

Family Conflict
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

$120/session

Authentic
Direct
Empowering

Specialties

Family Conflict
Addiction
Mood Disorders
+9
Hello! I am a dedicated and licensed mental health professional in Kentucky, serving as a Licensed Professional Clinical Counselor-Supervisor (LPCC-S), Licensed Clinical Alcohol and Drug Counselor (LCADC), and Substance Abuse Professional (SAP). I earned my Master of Education in Clinical Mental Health Counseling from Lindsey Wilson College in December 2021 and my Ph.D. in Counselor Education and Supervision from Lindsey Wilson College in August 2026. Over the past several years, I have worked in community mental health, substance use treatment, crisis intervention, residential and outpatient care, and clinical supervision. I specialize in helping individuals navigate substance use disorders, alcoholism, anxiety, depression, ADHD, trauma, bipolar disorder, and other mood-related concerns. I also have experience supporting individuals with co-occurring mental health and substance use disorders through evidence-based, trauma-informed care. My therapeutic approach is grounded in compassion, authenticity, and collaboration. I integrate evidence-based practices, including Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), Solution-Focused Therapy, Motivational Interviewing, and attachment-based interventions to meet each client's unique needs. My goal is to provide a supportive, nonjudgmental environment where clients feel safe to explore challenges, build resilience, develop practical coping skills, and create meaningful, lasting change. In addition to my clinical practice, I serve as an adjunct instructor teaching graduate counseling and undergraduate psychology courses and provide clinical supervision to counselors working toward licensure. Whether you are seeking support for recovery, mental health concerns, life transitions, or personal growth, I am committed to helping you identify your strengths and achieve your goals with confidence and hope. I look forward to partnering with you on your journey toward healing and wellness.
VirtualAvailable

Often rebooked

$100/session

Solution oriented
Direct
Authentic

Specialties

Family Conflict
Anxiety
Anger Management
+8
The journey of life can bumpy, confusing, frustrating, and unpredictable. Hello, I'm Dr. Suzann O'Koon, a licensed psychologist with 30 years of experience. I'm a mother and grandmother, who, at mid-life, returned to graduate school to pursue my the next step on my life journey. I had been an elementary school teacher, a community volunteer, and then a stay-at-home mom. I am sharing this with you because transitions and change can be difficult at times, and I've been there: done that!.
VirtualAvailable

Often rebooked

$150/session

Warm
Intelligent
Solution oriented

Specialties

Family Conflict
Anxiety
Depression
+9
Hello! I am a Licensed Clinical Social Worker (LCSW) based in Kentucky. I earned my Master's Degree in 2003 and have been practicing as a LCSW since 2006. I am experienced in helping adults manage life's challenges to reach their full potential. I utilize Solution-Focused Therapy and a strengths-based approach to support you in accomplishing your goals and improving your life. I also use Cognitive-Behavioral Therapy (CBT) to help you see the connection of thoughts, feelings and behaviors. I am also EMDR trained.
VirtualAvailable

$150/session

Authentic
Intelligent
Empowering

Specialties

Family Conflict
Depression
Men's Issues
+6
Reaching out for help in the form of therapy is not an easy thing to do as many can attest, but by reading this biography, you are taking the first step in getting help for yourself or a loved one. At times, life offers many struggles and obstacles that can be difficult to overcome alone. Engaging in therapy will provide opportunities to explore and process the thoughts and feelings that prevent you from living your best life. Though the thought of therapy may be intimidating and even nerve-wrecking for some, I believe once a person finds the right therapist, they find a trusting confidant who seeks to understand and problem solve.
VirtualAvailable

New to Grow

$110/session

Specialties

Family Conflict
Anxiety
Health/Medical Issues
+10
Hello, I'm Sarah. I'm a licensed clinical social worker who works with adults virtually in Ohio, Indiana, and Kentucky. I strive to be easy to talk to, and I believe therapy should feel like a space where you can show up exactly as you are—without pressure, judgment, or needing to have everything figured out. My practice is collaborative, down-to-earth, and centered on what matters most to you. We’ll make room for whatever you’re carrying, whether it’s stress, relationship challenges, big life changes, old patterns that keep showing up, or simply the feeling that something needs to shift. I’ll listen closely, help you make sense of what’s going on, and support you in finding practical ways to move forward. I want our work to feel real and useful—not overly clinical or one-size-fits-all. Together, we’ll go at a pace that feels right for you, build on your strengths, and create space for more clarity, confidence, and self-trust.
Available

$155/session

Authentic
Empowering
Warm

Specialties

Family Conflict
Anxiety
Life Transitions
+4
I’m Joyce D. Scherdin, a Licensed Marriage and Family Therapist with over a decade of experience working with adults navigating anxiety, stress, life transitions, and emotional patterns that feel hard to shift. I help clients who feel overwhelmed or stuck find greater steadiness and clarity. My approach is supportive, structured, and practical — we focus on understanding what’s driving the stress while building tools you can use in everyday life. If you’re ready for honest guidance, emotional safety, and meaningful progress, we may be a good fit.
VirtualAvailable

$130/session

Warm
Authentic
Open-minded

Specialties

Family Conflict
Addiction
Depression
+8
Hello. I'm Joseph. Do you feel so anxious it is hard to leave the house in the morning? Do you feel so depressed and sad that it is hard to get out of bed in the morning? Anxiety and depression are common. You are not alone in feeling this way. I help people who struggle to deal with the stresses of life. Working together, we can identify what causes your depression and anxiety and work to find solutions which will make life easier for you. It is all about finding balance. My experience allows me to help you deal with your stress, relationship issues, anxiety, trauma, or depression. Some people worry about what others will think if they seek out therapy. You are not alone. Many people deal with the same kind of things you deal with. Therapy is a place where many people come to heal and grow. It is a safe place where you can talk about whatever is on your mind and know that everything is confidential. Through compassion, empathy, and evidence-based techniques, we will find solutions for your problems and worries. Look forward to working with you!
VirtualAvailable

$120/session

Authentic
Open-minded
Intelligent

Specialties

Family Conflict
Anxiety
Depression
+10
I am a skilled and empathetic counselor with over 18 years of experience. I work with a wide variety of clients from the very young to the very experienced. My clients are people who have been struggling, often through many failed attempts, to get their life back on the path they want. I help my clients find their own, unique way to overcome the challenges they are facing be it depression, anxiety, relationship issues, or unexpected changes in life circumstances. I help my clients find their footing and forge their own path towards the future they choose.
VirtualAvailable

$120/session

Solution oriented
Empowering
Intelligent

Specialties

Family Conflict
Anger Management
Coping Skills
+9
HAVE YOU EVER WONDER "HOW DID I GET HERE"? That's a good question and you are on to something there. I am a therapist who can help you with exploring that Journey. I help men and women manage anxiety and depression. Together, we can identify what's not working and get you back to balance. We'll use a whole self approach, addressing the needs of your mind, body and spirit. I also integrate an acceptance and commitment therapy approach to help you develop a stronger relationship with yourself. As a military combat veteran who has a wealth of experience from an international worldview, the Solution Focus approach is a specialization that can be mastered with your investment. Whether you're dealing with overwhelm, relationship issues or cycles of anxiety and depression, I'm here to help. Seeking therapy can feel scary but you're making the right choice. You deserve a safe space to heal and grow. In our sessions together, I'll meet you with compassion and evidence-based techniques so you can overcome the hangups and habits holding you back. Let's work together!
VirtualAvailable

$120/session

Authentic
Warm
Empowering

Specialties

Family Conflict
Addiction
Anxiety
+8
I am a licensed clinical social worker in Kentucky. My passion is creating a safe and sacred space for my clients to do their work by processing and talking through the issues that they prioritize. I have experience with clients who are struggling with anxiety, depression, abuse, stress, grief and loss, and low self-esteem. I specialize in working with adults who are interested in maximizing their lives and their potential. I value clients and pride myself on treating them all with the utmost care in a judgment-free space. I have worked with diverse populations of people and I am trained in cultural diversity. I utilize proven theories like cognitive behavioral therapy to help clients to analyze their thought processes and core beliefs to determine how those thoughts and beliefs contribute to their outcomes. My ultimate goal is to walk with my clients and help them focus on their priorities and find solutions that will empower them to soar in every area of their lives.
VirtualAvailable

$150/session

Warm
Authentic
Open-minded

Specialties

Family Conflict
Anxiety
Depression
+10
Hi there! I’m Tabitha Simpson, a Licensed Clinical Social Worker who believes therapy should feel like a safe and supportive conversation. I’ve worked in a variety of mental health settings and enjoy using an integrated care approach that looks at the whole person—mind, body, and environment. I’m especially passionate about maternal mental health, particularly in rural areas where support can be hard to find. My goal is to help women navigate the ups and downs of pregnancy, postpartum life, and all the transitions that come with motherhood. I’ve had the privilege of working with clients of all ages, from providing play therapy for children to supporting adults through life’s challenges. My approach is warm, down-to-earth, and collaborative—I want you to feel comfortable, understood, and empowered every step of the way.
VirtualAvailable

$90/session

Warm
Empowering
Authentic

Specialties

Family Conflict
Anxiety
Self Esteem
+10
Hello- I am a Licensed Professional Clinical Counselor Supervisor in KY. After providing Pastoral Counseling to my congregants for 10 years I earned my Master’s in Profession Counseling at Grand Canyon University; I wanted to not just help others spiritually, relationally, and emotionally—- but also wanted to be able to help others with their mental hurts and habits they faced on a daily basis.
VirtualAvailable
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, Family Conflict, 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.