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 77 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: 7/2/2025

Karen Reiss

(she/her)

Karen Reiss, LCSW - Kentucky Therapist at Grow Therapy
$150/session
LCSW
21 years of experience
Virtual
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.

Jessi Jones

Jessi Jones, LPCC - Kentucky Therapist at Grow Therapy

Frequently rebooked

$75/session
LPCC
6 years of experience
Virtual
Hi! My name is Jessi Jones. I'm a Licensed Professional Counsellor (LPCC) based in Kentucky. I received my master's from Lindsey Wilson College and have been practicing for 6 years. I serve people struggling with addiction and different mental health symptoms such as depression and anxiety. I have worked with several different populations including children, adolescents, adults and people with intellectual delays.

Donnah Clark-Miller

Donnah Clark-Miller, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
15 years of experience
Virtual
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.

Lindsey McAllister

(she/her)

Lindsey McAllister, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
6 years of experience
Virtual
I help individuals navigate life’s challenges, heal from past experiences, and create meaningful change and empowerment. I specialize in working with addictions, anxiety, trauma, relationship issues, and life transitions, using a blend of evidence-based and humanistic approaches. My goal is to create a supportive, collaborative space where you can explore your experiences, build resilience, and move toward the life you want to live.

Nikki Layne

(she/her)

Nikki Layne, LPCC - Kentucky Therapist at Grow Therapy
$125/session
LPCC
10 years of experience
Virtual
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 9 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.

Sarah Lowe

Sarah Lowe, LCSW - Kentucky Therapist at Grow Therapy
$90/session
LCSW
5 years of experience
Virtual
Hi! I'm a Licensed Clinical Social Worker (LCSW) based in Kentucky. I received my Masters from Northern Kentucky University and have been practicing for 5 years. I have a heart to help others manage some of life's most difficult circumstance and stressors by empowering them to gain self-awareness and obtain coping skills. I have worked with a variety of clients from childhood to late adulthood. I look forward to working with you!

Regina Chanda

(she/her)

Regina Chanda, LCSW - Kentucky Therapist at Grow Therapy
$125/session
LCSW
10 years of experience
Virtual
Hello, I am a Licensed Clinical Social Worker near Lexington, KY. I have 10 years experience and have worked in a community mental health center and in a counseling center at a small university. I consider it a privilege for clients to share their story with me and entrust me to help them get to where they want to be. I help clients engage in the change process and support them on their journey to becoming more healthy.

Amanda Hawkins

Amanda Hawkins, LPCC - Kentucky Therapist at Grow Therapy
$150/session
LPCC
15 years of experience
Virtual
Are your relationships with others not what you would like them to be? Do you feel like you are not living up to your "full potential" and serving your life purpose? The stressors of life can weigh us down at times. I want to help you take the first step toward making lasting change in your life. Together we will identify strengths as well as life challenges that will help you gain a better understanding of yourself and your relationships.

Abigail Ford

Abigail Ford, LMFT - Kentucky Therapist at Grow Therapy
$100/session
LMFT
7 years of experience
Virtual
Hello there brave one! I am passionate about helping you live your best life, and I believe that having a healthy support system (whether that be through marriage, family, or friendships) is key to our success. Founder of Emotion Focused Therapy, Dr. Sue Johnson, puts it well saying, "Being the best you can be is really only possible when you are deeply connected to another." I utilize relationship-driven therapies and focus on helping you get in touch with your emotions, core desires, personal and interpersonal needs. I specialize in seeing individual adults and couples for pre-marital or post-marital therapy. My hope is that you can learn in life not just how to survive, but to thrive! I most often use emotionally focused therapy (EFT), solution-focused therapy (SFT), and mindfulness techniques to help you find that fulfillment, connection, and sense of purpose we are all born desiring.

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

Ellie Bates

(she/they)

Ellie Bates, LPCC - Kentucky Therapist at Grow Therapy
$60/session
LPCC
5 years of experience
Virtual
Hi there, I'm a therapist who is part of the LGBTQ+ community. I strive to make the work I do a safe and caring space for my clients. I have work the past 5 years in private practice/addiction facilities. I am a License Professional Clinical Counselor and I have worked with individuals struggling with symptoms of ADHD, Autism, depression, anxiety, Disassociative Identiy Disorder, PTSD, and identity concerns.

Leo Bowman

(he/they)

Leo Bowman, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
5 years of experience
Virtual
Hi I'm Leo I'm a non binary transgender man. I have my master’s degree in social work from the University of Louisville and I'm a Licensed Clinical Social worker in Indiana and Kentucky. My professional background has been working with the University of Louisville as a therapist at the Trager Institute Optimal Aging Clinic. While working at University of Louisville Trager Institute, I gained experience in treatment areas such as conversion disorders/PNES, PTSD/Trauma, anxiety, depression, grief, transgender issues, gender dysphoria and LGBTQ+ issues.

Joan Lawhorn

Joan Lawhorn, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
25 years of experience
Virtual
Hello there. My name is Joan I have been a social worker for over 25 years. Like you, I have had my own set of challenges and believe the key to overcoming life's obstacles is learning to plan and cope. We can't control all the pain that will come our way, but we can control how we react to it. Of course, this is sometimes easier said than done and we need help. I would be honored to assist you in your journey towards a happier healthier you.

Christy Morris

(she/her)

Christy Morris, LCSW - Kentucky Therapist at Grow Therapy
$80/session
LCSW
10 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker based in Kentucky. I have worked in the social service/mental health field for over 14 years to include CPS investigations, psychiatric residential, Michelle P Waiver case management, and Substance Abuse Program (SAP). I received my Master of Social Work from the Carver School of Social Work at Campbellsville University in 2015 and have been practicing for 8 years. I have recently been trained in Accelerated Resolution Therapy which is an eye movement modality that can help reduce or eliminate negative sensations in as little as one session. I strive to provide therapeutic care where each individual feels safe and secure in each session buy creating a judgment-free atmosphere. My goal is to build mutual trust with each other and help you find your path to taking control back of your life and emotions.

Madison Davis

(she/her)

Madison Davis, LCSW - Kentucky Therapist at Grow Therapy

Frequently rebooked

$130/session
LCSW
10 years of experience
Virtual
Madison is a seasoned therapist with over 10 years of experience dedicated to empowering women and mothers through their mental health journeys. Specializing in body image issues and serious mental illness, 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.

Candice Jackson

(she/her)

Candice Jackson, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
16 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker with experience providing care to a wide range of clients, but my focus has been working with people finding their way through grief and loss. While grief is a universally human experience, most of us don't talk or share much about it, much less how to live through it. No one is meant to grieve alone, and it is my privilege to join others on this path.

Vanessa Sewell

Vanessa Sewell, LPCC - Kentucky Therapist at Grow Therapy

Frequently rebooked

$85/session
LPCC
5 years of experience
Virtual
Hello! My name is Vanessa Sewell and I am a Licensed Professional Clinical Counselor. I received my Bachelor's Degrees in Psychology and History from Western Kentucky University and my Master's Degree in Counseling and Human Development from Lindsey Wilson College. I will begin the Lindsey Wilson College Ph.D. program in Counselor Education and Supervision in the fall of 2025. I have spent time counseling individuals from ages 4-80 in community mental health, foster care, and inpatient behavioral health settings for the last 5+ years. I have worked in the mental health field for more than 15 years.

Jessica Green

(she/her)

Jessica Green, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
8 years of experience
Virtual
Are you feeling overwhelmed and need support? Are you struggling with anxiety or having trouble in your relationships? Maybe you're finding it difficult to achieve your goals? It can be exhausting to navigate the obstacles life throws at us. I understand how difficult and scary it can be to take the first step and begin the healing process. In our sessions, I'll meet you where you are with compassion and evidence-based practices so we can identify what's not working and find a way to help you meet your goals for a healthier, happier life. I offer telehealth counseling services for individual adults of all ages and all walks of life who reside in the state of Kentucky. My therapeutic approach is primarily strengths-based, applied within evidence based interventions such as cognitive behavioral, psychodynamic, motivational interviewing, and mindfulness therapies. My goal as a therapist is to create a comfortable and welcoming environment for you to explore and express your thoughts and feelings. Let's work together!

Jacqueline Mitchell, M.A.

Jacqueline Mitchell, M.A., LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
14 years of experience
Virtual
My name is Jacqueline. I am a licensed clinical mental health therapist in Kentucky. I have been in this field for 14 years and have a genuine passion for the work I do. While I specialize in addiction, trauma and grief, I have worked with individuals on an individual as well as group level, focusing on a variety of areas of mental health issues. My approach is more of an eclectic approach. I do not insist on using any particular modality for each client, but rather, I like to development my approach and methods toward and around the individual needs of each specific client I serve. I find fulfillment in being able to help those in need, to overcome obstacles they are faced with. Everyone deserves to find their place of happiness and true contentment and to be able to reach the highest level of satisfaction in themselves and where their lives are at and going. It can be difficult to see and experience when you are weighed down with all the stressors life presents. I look forward to meeting you and being able to go on your journey with you.

Dr. Beverley Gray

(she/her)

Dr. Beverley Gray, LPCC - Kentucky Therapist at Grow Therapy
$110/session
LPCC
20 years of experience
Virtual
I am a Licensed Mental Health Counselor in North Carolina and Virginia with over 25 years of experience working with Children and Adults. I am also a licensed Chaplain and Ordained Pastor providing spiritual counseling for over 25 years. I have worked with clients with a wide range of concerns including depression, anxiety, relationship issues, parenting problems, career challenges, OCD, and ADHD, PTSD and trauma. I also assisted many people who have experienced physical trauma or emotional abuse. My therapy style is warm and interactive. I believe in treating everyone with respect, sensitivity, and compassion, and I don't believe in stigmatizing labels. My approach combines cognitive-behavioral, person centered, trauma focused, solution focused therapy and spiritual counseling. I will tailor our dialog and treatment plan to meet your unique and specific needs. It takes courage to seek a more fulfilling and happier life and to take the first steps towards change. If you are ready to take that step, I am here to support and empower you. I will meet you where you are and assist you with getting to where you want to be. I look forward to working with you!

Natalie Carter

Natalie Carter, LPCC - Kentucky Therapist at Grow Therapy
$90/session
LPCC
9 years of experience
Virtual
Hello and welcome. If you are new to mental health treatment and feeling unsure about the process please understand therapy comes with misconceptions and stigmas at times. The option of telehealth allows much flexibility in our meeting location which often is more comfortable than attending an office in-person. All sessions are private and confidential with few limitations to confidentiality which we will discuss in detail. My therapy sessions are safe spaces where you can be honest and feel free of judgment or criticism. We all need extra support from time to time. My hope is to help you begin finding clarity, stability, and a better mental space altogether.

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.

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.

Felisha Babb

Felisha Babb, LCSW - Kentucky Therapist at Grow Therapy
$90/session
LCSW
15 years of experience
Virtual
Hello, I am a Licensed Clinical Social Worker. My goal is to create a nonjudgmental supportive environment while collaboratively working with my patients as team to assist them with gaining and maintaining emotional stability. I am a client centered therapist with 5 years experience in mental health counseling. I have been successful in using my expertise to understand, assist, and guide clients to learn components of emotional intelligence that they can use to assist them with meeting their behavioral health goals. I am highly accomplished in designing psycho-educational programs that empower clients with self-efficacy and the motivation to change. I am Skilled at using Dialectal Behavioral Therapy, Cognitive Behavioral Therapy, Rational Emotive Behavioral Therapy and other therapeutic modalities to assist clients with meeting their therapeutic needs. I am Smart Recovery Certified and skilled at working with individuals who are battling addiction, depression, anxiety, and PTSD. I am hard working, motivated, team oriented, and dedicated to the field of mental health. I strongly believe in giving clients tool that they can use to gain and/or maintain safety, sobriety, and stability.

Nikita Wordlow

Nikita Wordlow, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
10 years of experience
Virtual
Hello, I'm a Licensed Clinical Social Worker. I received my Master Degree of Social Work from the University of Louisville over 20 years ago. I've worked with various different backgrounds, and populations. I look forward to meeting you and working together to find ways to assist with breaking down barriers. I enjoy assisting others in finding positive ways to cope with life challenges.

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 Self Esteem?

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, Self Esteem, 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.