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 22 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: 8/19/2026

$120/session

Authentic
Intelligent
Humorous
Specialties
Sexual Abuse
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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$90/session

Authentic
Humorous
Open-minded
Specialties
Sexual Abuse
Addiction
Life Transitions
+10
I earned my Master’s degree in 2022 and bring four years of clinical experience working with individuals, families, adolescents, and court-ordered clients. My background includes supporting clients navigating dual diagnoses and a wide range of mental health concerns, including substance use disorders, bipolar disorder, schizophrenia, borderline personality disorder, anxiety, and depression. I am deeply committed to ongoing growth, both personally and professionally, because I believe the best way to support others is to continually reflect, learn, and evolve. Whether you are seeking stability, clarity, healing, or deeper self-understanding, I will meet you with empathy, compassion, and a steady presence as we work toward meaningful change together.
VirtualAvailable
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$150/session

Intelligent
Warm
Specialties
Sexual Abuse
Addiction
Anxiety
+10
I am a Licensed Professional Clinical Counselor (LPCC) practicing in Kentucky, dedicated to providing comprehensive support for mental health and relationship challenges. I earned my doctorate from Madison University, where I gained a deep understanding of psychological theories and therapeutic practices. Additionally, I completed postgraduate studies at Southern Illinois University, further enhancing my expertise in counseling. With over 40 years of experience in the field, I specialize in helping individuals and couples navigate a wide range of issues, including anxiety, depression, trauma, addiction, and interpersonal relationship problems. My therapeutic approach is highly collaborative; I work closely with my clients to create a safe and supportive environment where they can openly explore their thoughts and feelings. Together, we identify specific concerns and work on defining personal goals that align with their values and aspirations. I use evidence-based therapeutic techniques tailored to each client's unique needs, ensuring we develop effective strategies for lasting change and improved overall well-being. My commitment is to empower my clients on their journey toward personal growth and healing, fostering resilience and healthier relationships in their lives.
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Often rebooked

$100/session

Open-minded
Warm
Authentic
Specialties
Sexual Abuse
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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$100/session

Solution oriented
Authentic
Empowering
Specialties
Sexual Abuse
Child or Adolescent
Crisis Intervention
+10
Hello! My name is Kevin Blalock. I am a Licensed Clinical Social Worker in the state of Kentucky. I have worked as a Referral Clinician for an inpatient psychiatric hospital, as an Inpatient Clinical Therapist, and now an Outpatient Clinical Therapist. I have a diverse background of working with Cognitive Behavioral Therapy, Dialectical Behavioral Therapy, and Trust-Based Relational Intervention. I am a certified Juvenile Sex Offender Therapist in the state of Kentucky, and am currently under supervision to become a Registered Play Therapist. I look forward to speaking with you about your goals for therapy and how I can help!
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$70/session

Warm
Authentic
Empowering
Specialties
Sexual Abuse
Anxiety
Self Esteem
+5
Hey there!! I am a Licensed Clincial Social Worker based in Kentucky. I have provided therapy to clients for 25 years. I really enjoy gettting to know you as a person and develop a treatment plan that will benefit you the most. Time does not heal trauma, painful experiences, and behavior patterns that need to change. Let me help you find the best YOU!!! I have been married for 25 years and have two wonderful daughters and two dogs. I want to use your strengths to heal and improve your life.
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$100/session

Authentic
Direct
Empowering
Specialties
Sexual Abuse
Bipolar Disorder
Dissociative Disorders
+15
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.
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$150/session

Authentic
Solution oriented
Direct
Specialties
Sexual Abuse
Addiction
Anxiety
+10
Hi, I’m Mona. I specialize in helping people overcome the emotional pain of trauma and addictions, including anxiety and depression. With a Master’s in clinical social work and over 25 years as a licensed Clinical Social Worker (LCSW) in Kentucky, I guide you in understanding how trauma affects your relationships, career, finances, health, and overall quality of life. I help people break free from the pain of the past without reliving it. With a unique blend of counseling and coaching, I will guide you to release emotional baggage and reclaim your life. Every person's journey is unique, so I offer tailored services to meet your needs. Whatever you're facing, I'm here to help you move forward. I create a safe and respectful space to help clients identify and break through the barriers that hold them back. I explore limiting beliefs rooted in past traumas, especially from childhood, and transform them into empowering truths. By building healthy coping skills, boundaries, and self-care, clients quickly experience improved self-esteem and better relationships.
Available
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$100/session

Empowering
Warm
Solution oriented
Specialties
Sexual Abuse
Anxiety
Depression
+10
You are invited to create the life you desire and deserve! Are you struggling with anxiety, depression, feeling overwhelmed, and feeling powerless to coping with life? Please know these feelings are present to warn that your attention is needed. I am an LISW, Licensed Independent Social Worker, with over 15 years experience providing clinically sound, creative, and holistic therapy services. I will partner with you in a safe, accepting, and non-judgmental setting that promotes growth and change. Happiness is something we all talk about and want dearly. The road to happiness is through being authentic, setting boundaries with yourself and others, and taking care of you. Getting the help you need is a form of Self Care. Let me help you find happiness!
VirtualAvailable
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$135/session

Solution oriented
Warm
Authentic
Specialties
Sexual Abuse
Grief
LGBTQ
+10
Life has a way of pulling the ground out from under us — a career shift, a relationship ending, a loss, or simply the quiet feeling that who you used to be no longer fits. I've been there too, and that lived experience is at the heart of how I show up for my clients. I'm a licensed therapist with over a decade of experience helping adults find their footing during some of life's most disorienting chapters. My approach is collaborative and grounded — I don't believe in one-size-fits-all answers, so we'll work together to understand your unique story and build a path forward that actually feels like yours. Whether you're wrestling with anxiety, standing at a crossroads, or just feeling stuck in a life that no longer seems to fit — this is a space where you don't have to have it all figured out. Just come as you are.
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$100/session

Authentic
Warm
Empowering
Specialties
Sexual Abuse
Anxiety
Depression
+10
I am a Licensed Clinical Social Worker (LCSW/LICSW) providing individual therapy to adults (18+) across Alabama, Georgia, Tennessee, and Kentucky. My journey to becoming a therapist began with a deep desire to make a meaningful difference in people’s lives. This passion led me to pursue a double major in Criminal Justice and Psychology, giving me insight into both human behavior and the systems that shape our experiences. From there, I earned a Master’s Degree in Social Work, building a strong foundation to guide, support, and empower those I work with. My practice is grounded in a client-centered, collaborative, and trauma-informed philosophy. I view therapy as a partnership, with your voice and perspective at the center. I draw from approaches such as Accelerated Resolution Therapy (ART), EMDR, and Cognitive Behavioral Therapy (CBT) to meet your needs and support meaningful progress.
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$85/session

Authentic
Warm
Empowering
Specialties
Sexual Abuse
Anxiety
Depression
+13
Hello, thank you for taking the time to explore my page. You are making the right decision! My name is Amia Taylor, and I am an experienced clinician who enjoys working with people of all ages, experiences, and backgrounds. I have expertise in supporting those with anxiety, depression, grief, and trauma. I aim to create a therapeutic space that allows for genuine authenticity and healing by tailoring sessions to each client. Take the first step towards empowerment, understanding, and peace of mind by scheduling a consultation to connect and see if I am a good fit for you. I lead with a compassionate, trauma-informed, strength-based, and person-centered approach. Outside the therapy space, I enjoy arts and crafts, aromatherapy (especially a great-smelling candle!), and laughing with loved ones.
VirtualAvailable
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$120/session

Authentic
Direct
Solution oriented
Specialties
Sexual Abuse
Anxiety
LGBTQ
+10
I am a Licensed Clinical Social Worker for ten years now. You will always know yourself better than I can or will. From a philosophical and theoretical standpoint. I am overwhelming more of an attachment theorist, and have been known to use existentialism from time to time to help make sense of something. I guess the question that remains though is; can a butterfly flap it's wings in Brazil and cause a tornado in Kentucky, or are we all simply just products of our childhood and mirrors of our parents traumas? The duality of life. Attachment Theory vs. Chaos Theory. Both have value. I digress. My goal is to provide a petridish in which you can explore your self. Safe. Contained. Yet completely in your control. The paradox being, you likely already have what you need. I'll sit with you while you find it. I can give you my clinical opinion, or diagnosis, and recommendations along the way as well if you'd like that. I can just sit and listen. I can play devils advocate. My job is to listen, empower, observe, and provide feedback when requested.
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$95/session

Authentic
Intelligent
Open-minded
Specialties
Sexual Abuse
Addiction
Anxiety
+10
Hi, my name is Amelda Rector and I am a Clinical Mental Health Counselor (LPCC) licensed in Kentucky and Arizona. I received my Masters from the University of the Cumberlands and I have been practicing for 9 years in both Scotland and the US. I have experience working with clients in addiction recovery, school settings, in-home family services, Trauma such as sexual abuse and PTSD, couples, families, and I server clients from all ages.
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New to Grow

$90/session

Specialties
Sexual Abuse
Anxiety
Child or Adolescent
+10
I am a graduate of Morehead State University and Campbellsville University. I currently work in a school district as the school social worker where I conduct group therapy, provide psychoeducation, link families to needed resources, and engage in crisis intervention for our high risk students. I have been practicing therapy for approximately 3 years now, and prior to this career path, I worked in the child protection field. During my downtime I enjoy spending time with my husband and kids. Summer is my favorite time of the year, but I also really enjoy the holiday season! I'm also very much a book worm and like to read various genres of books.
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$80/session

Empowering
Authentic
Direct
Specialties
Sexual Abuse
Anger Management
Depression
+20
Hi there! I’m SaMika. Many people see therapy as a one-sided conversation in which the “expert” talks to you and tells you what to do. What is the joy in that? I find joy in working with other experts to create solutions to great change- and guess what? You are the expert on YOU. I believe one of the bravest things someone can do is work to understand their own story. Whether it is healing from the past, managing the present or preparing for the future; with a collaborative, holistic approach, I want to help you achieve whatever life changes you desire to live the life you feel you deserve. Seeking a therapist can be a bit intimidating, but you have already taken the first step! I hope you will take a moment, reach out and see how I can help. Let’s work together!
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$105/session

Authentic
Warm
Open-minded
Specialties
Sexual Abuse
ADHD
Anxiety
+10
Life can be challenging, especially when you're balancing relationships, parenting, caregiving, work responsibilities, and the expectations you place on yourself. It's easy to find yourself feeling overwhelmed, anxious, disconnected, or unsure of how to move forward. My goal is to provide a space where you can feel genuinely heard, understood, and supported while creating meaningful change. I work with individuals, and couples navigating anxiety, depression, trauma, PTSD, relationship difficulties, life transitions, caregiver stress, and family challenges. Together, we explore patterns that may be keeping you stuck, build practical tools for managing emotions and stress, and strengthen the relationships that matter most. My approach combines evidence-based strategies with compassion, curiosity, and a belief that growth happens when people feel safe enough to be honest about both their struggles and strengths. Whether you're working through a difficult season, healing from past experiences, improving communication, or seeking greater balance in your life, I strive to help you build resilience, deepen self-understanding, and move toward a life that feels more connected and fulfilling. Outside of my work, I most enjoy spending time getting outdoors with my family. Whether we're exploring nature, staying active, or simply enjoying time together, these experiences remind me of the importance of connection, balance, and being present in the moments that matter most. You don't have to navigate it all alone.
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$125/session

Warm
Empowering
Authentic
Specialties
Sexual Abuse
Addiction
Personality Disorders
+10
I am a Licensed Clinical Social Worker with over 15 years of experience providing evidence-based, trauma-focused therapy to adults seeking emotional stability, personal growth, and meaningful change. My work is grounded in Dialectical Behavior Therapy (DBT) and Acceptance and Commitment Therapy (ACT), supporting clients in building emotional awareness, psychological flexibility, and resilience. I specialize in working with individuals experiencing anxiety, depression, trauma, chronic stress, and emotional dysregulation. My therapeutic approach is collaborative and integrative, combining talk therapy with hands-on, skills-based interventions that clients can actively practice both in and outside of session. Treatment focuses on emotion regulation, distress tolerance, mindfulness, values-based decision-making, and healthier interpersonal functioning. I believe therapy is most effective when it is structured, supportive, and empowering. I work closely with clients to identify treatment goals, increase emotional insight, and develop practical tools that help them manage overwhelming emotions, reduce reactivity, and respond more intentionally to life’s challenges. Clients often describe my style as direct, compassionate, and focused on real-world application. My goal is to help clients feel more grounded, confident, and equipped to manage anxiety, stress, depression, and emotional dysregulation while fostering long-term stability and personal growth.
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$100/session

Authentic
Direct
Empowering
Specialties
Sexual Abuse
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!
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$120/session

Warm
Authentic
Solution oriented
Specialties
Sexual Abuse
Couples Counseling
Depression
+6
I am a LCSW with 20 years of experience working with clients suffering from depression, anxiety, burnout and other mental health issues. I help identify root issues and work with my clients to better understand their therapeutic goals. I specialize in working with individuals and couples who are experiencing challenges in their lives or relationships. My approach to therapy is compassionate, collaborative and tailored to meet your specific needs and goals. I believe everyone has the capacity for growth and positive change and I am here to support you on your journey towards greater emotional well-being and fulfillment.
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$150/session

Authentic
Warm
Intelligent
Specialties
Sexual Abuse
Anxiety
Depression
+10
Welcome. I’m a combat veteran and retired Army officer, Christian, husband, father, grandfather, and experienced clinical psychologist. I want to get into the root causes of your struggles or battle and find ways to overcome, change, forgive, accept, and move upward toward the light. It may not seem like it, but the darkness will eventually lift, and the light will surely shine again. Life is a battle in the heart, and I humbly accept that I will be in my own battle or someone else’s battle for the rest of my life. Like the weather, our emotions are powerful. Many days the sun shines, but the rains do come and sometimes a destructive storm hits hard (divorce, the loss of a loved one, cancer, suicidal thoughts, et cetera). It's a battlefield. When it comes to the challenge of relationships, so often, it is ego (wounded pride), self-esteem, and powerful emotions at the root of our conflicts. To understand these forces is the key to peace. Let's work through it! I have been honored to be in the field of psychology for 22 years since 2004. Through the years, more than half of my time was in the Army where I primarily worked with soldiers enduring anxiety, depression, trauma, Traumatic Brain Injury, and all the other usual suspects of psychological distress. It was a time well for the analysis of guilt, fear, worry, shame, pain, heartbreak, addiction, identity conflicts, and sorrow. I’ve also worked in the prisons for many years with some extreme situations (i.e., murder, severe mental illness, rape, child molestation, drug kingpins, gang leaders). So, no matter what your circumstances are, never quit and never give up! Survival is a noble plight!
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$85/session

Warm
Empowering
Authentic
Specialties
Sexual Abuse
Anxiety
Depression
+10
You've taken the first step! I'm Necole a licensed clinician counselor in the states of Tennessee, Kentucky, and Utah. I've always desired to understand feelings, behavior and the human mind; always been driven toward solving the questions that start with why. My passion for therapy began after realizing I was helping many clients with the similar concerns related to identity confusion, limited self-awareness, and low self-confidence. Life is pretty complex and sometimes presents us with challenges that require support and therapeutic interventions to achieve balance and overall wellness. Congratulations to you for your courage, and on your decision to seek empowerment and enhance your current emotional well-being. If you are in need of more support for your journey don't hesitate to reach out. Even if we aren't the right fit let me send you in the right direction.
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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, Sexual Abuse, 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.