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 9 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: 7/1/2025

Kayla Alvey

(she/her)

Kayla Alvey, LCSW - Kentucky Therapist at Grow Therapy
$90/session
LCSW
6 years of experience
Virtual
Feeling stuck, stressed, or overwhelmed? You’re not alone, and I’m here to help. As a Licensed Clinical Social Worker (LCSW) and Licensed Marriage and Family Therapist (LMFT) with over six years of experience, I specialize in working with young adults and teens to tackle life’s challenges head-on. Together, we’ll create a space where you can feel heard, supported, and understood—free from judgment. I use proven approaches like EMDR, Cognitive Behavioral Therapy (CBT), and CT-R, along with other tools that fit your unique needs. Whether you’re dealing with anxiety, past experiences that feel hard to shake, trouble with relationships, or figuring out who you are and want to be, I’m here to guide you at your own pace. My focus is always on helping you feel empowered to take control of your story. You don’t have to face this alone. Therapy can be a place to work through tough emotions, build confidence, and discover new ways to handle whatever life throws your way. Together, we’ll work on building the tools you need not just to get by—but to thrive. Your voice matters, and I’m here to make sure it’s heard

Faith H

Faith H, LCSW - Kentucky Therapist at Grow Therapy
$135/session
LCSW
9 years of experience
Virtual
Hi, my name is Faith. Congratulations on taking the first step. Are you struggling or feeling overwhelmed with school, work, family or relationships? Do you have difficulty with anxiety or depression? I am here to help you to manage life's difficulties and improve your mental health. I am passionate about encouraging, supporting, and empowering clients to take the necessary steps to improve their mental health and overall well-being. Together we can make necessary changes to improve your overall well-being.

Mayra Alejandra Nieto

(she/her)

Mayra Alejandra Nieto, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
11 years of experience
Virtual
My mission is to be a servant to others by empowering and helping you on your path to emotional wellness. I have helped children, teens and adults with anxiety, depression, mental health disorders, relationship conflict, and parenting concerns; assisted others to heal from acute abuse, childhood and adult traumas. I am also experienced with persons who have migrated to the US from other countries and the barriers that are encountered with those changes. Whether it be acute crises', life surprises, circumstantial stressors or complex traumas; let me teach you new skills or sharpen the ones you already use to either decrease, eliminate or change negative behaviors or unwanted symptoms. I have worked among many different populations and settings (non-profit organizations, state and government facilities, public education, and now private practice) and have learned to navigate through different challenges and with those experiences I have become a person who is compassionate to unique needs and desires. If there is an area of concern that I'm not able to assist you with I will be honest with you and seek assistance or refer you to a better qualified professional.

Amy Hall

(she/they)

Amy Hall, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
5 years of experience
Virtual
I have been a child, adult, and family therapist who has worked with hundreds of clients to address the barriers that negatively impact their lives. I take a collaborative approach that meets my clients where they are to work together to identify what they would like to get out of therapy and the best path to meet those goals. I provide my clients with a variety of tools and skills that they can use between sessions to help them manage their lives and address challenges they face.

Amanda Nelson

(she/her)

Amanda Nelson, LCSW - Kentucky Therapist at Grow Therapy
$90/session
LCSW
6 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker based in Louisville, Kentucky. I received my Master's Degree from the University of Louisville. I have 6 years of experience treating children, adults, and families with various difficulties and situations. I am passionate about helping individuals and families resolve conflict in their lives, make positive changes, and become the best version of themselves!

Missy Graehler

(she/her)

Missy Graehler, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
7 years of experience
Virtual
It's okay to not be okay, and I am so proud of you for putting in the research to find a therapist who is a good fit for you. A little bit about myself, I was raised in Lexington, KY and after living in Western Kentucky for 11 years, I have returned home to my roots. I graduated from Western Kentucky University with a Masters in Social Work and have worked as a psychotherapist in community mental health, private practice, and assisted care facilities. I would describe myself as quirky, direct, and compassionate. I am a mom of two boys who are my absolute world and the reason for transitioning to online therapy. I absolutely love my job and love working with people to improve their mental health and overall quality of life. You deserve to be heard, believed and encouraged. Giving therapy a shot can feel intimidating but also life-changing and if you're still reading this I hope that you will consider booking an appointment with yours truly :)

Ashley Paxton-Watts

Ashley Paxton-Watts, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
22 years of experience
Virtual
Hello and welcome! I am a Licensed Clinical Social Worker in Kentucky, Georgia, and Florida. I have been practicing in behavioral health for 22 years and I have a diverse background to help with your current struggles and condition. I provide individual therapy, family therapy, and couples counseling. I help Patients with newly diagnosed conditions and ways to cope with ongoing health problems and life challenges. My specialty is Dialectical Behavior Therapy (DBT). I also use Cognitive Behavioral Therapy (CBT), Acceptance and Commitment Therapy (ACT), EFT, family systems modalities, the Gottman Method, Solution Focused Therapy, Reality Therapy, Trauma-Focused Therapy, TF-CBT, NLP and Life Coaching, Psychoeducation, and Motivational Interviewing. I provide EAP counseling and help with workplace concerns and employment/employer issues. I help Patients reach effective solutions to their varied challenges and needs. I believe that each individual can overcome struggles and learn ways to self-heal. I have worked with children, adolescents, and adults with a wide range of issues including PTSD, trauma, personality disorders, serious mental illness (SMI), sleep difficulties, anxiety, stress, career difficulties and workplace concerns, suicidality, self-injury, abuse and neglect, anger, depression, low self-esteem, grief and loss, ADHD, aggression, impulsivity, parenting stress, interpersonal problems, and adjustment issues and transitions. I help with family conflicts, marital problems, relationship struggles, and couples in varying stages of their relationship from pre-marital counseling, divorce, remarriage, co-parenting, blended family issues, and family court-related issues. I help empower Patients and guide them to self-discovery, expand and develop healthy coping strategies, problem-solve, and learn skills to help themselves to handle life challenges. My commitment is to help you grow and make changes that are important to you to move forward in life and cope more effectively. It takes courage to ask for help and I am here to support you.

Tara Miracle

(she/her)

Tara Miracle, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
12 years of experience
Virtual
Hey there! I'm a Licensed Professional Clinical Counselor (LPCC-S), born and raised in Kentucky! I received my Masters in 2015. For the last 12+ years, I have had the opportunity to work primarily with children and adolescents, but also have experience working with young adults and sexual assault victims. My expertise helps clients manage symptoms of ADHD, ODD, depression, anxiety, social anxiety, PTSD, and other mood disorders. I am open-minded, authentic, and genuine. I'm a "big kid" at heart and truly enjoy helping others to reach their goals. I always strive to provide a comfortable, safe, and judgement free space. Feel free to bring some humor, laughter is always welcome :)

Lana Bunner

(She)

Lana Bunner, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
12 years of experience
Virtual
Walking with people through life's difficulties and struggles is a privileged, honor, and part of my purpose in life. I commit my life to helping people find their way back to the right paths that they want to be on to live out their purpose. Hi! My name is Lana and I have been a LCSW since 2011. I have experience working with children, adolescents, adults, and families. I specialize in issues of adjustment, trauma, depression, anxiety, crisis, grief, child and adolescent behaviors, and sexual abuse. I also have experience with talking with individuals with mood and personality disorders, PTSD, and issues surrounding divorce. On a more personal level, I enjoy traveling and refer to myself as a coffee connoisseur. I also have two small dogs that think they run the world and like to introduce themselves from time to time in my sessions. I always have a plan but I believe some of life's greatest adventures are in taking the scenic route.

Frequently asked questions

Why filter by Kentucky rather than a city like Louisville?

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 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.

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 School Issues?

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, School Issues, is filtering therapists in Kentucky 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.