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 189 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: 5/27/2026

$125/session

Authentic
Warm

Specialties

Anxiety
Depression
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
View profile
Book session

$90/session

Warm
Empowering
Humorous

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+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
View profile
Book session

$120/session

Humorous
Authentic
Solution oriented

Specialties

Addiction
Anxiety
Couples Counseling
+10
Hello my name is, Chris. I am a Licensed Clinical Social Worker with 15 years of experience in counseling interventions with children, adults, and families. I have a successful history in helping clients with stress and anxiety, coping with addictions, parenting issues, motivation, self esteem, & confidence. I pride myself in being a partner in you developing a new way to see and interact in reality.
VirtualAvailable
View profile
Book session

$85/session

Solution oriented
Authentic
Intelligent

Specialties

Addiction
Crisis Intervention
Serious Mental Illness
+4
Welcome to GrowTherapy I'm John Warner and I'm looking forward to working with you. I'd like you to acknowledge this step that you have taken to reach out. It takes motivation, insight, and courage to seek changes in your life. I am a Licensed Clinical Social Worker based in Louisville, Kentucky and I specialize in working with people who are either struggling with Substance Abuse or Mental Health issues, or who are trying to support a Loved One who is struggling with these issues, and feels overwhelmed by the circumstances. I provide a safe and supportive environment for you to explore the issues that are concerning you now. I believe that you are the expert on the things that do and don't work in your life but when life becomes overwhelming, we can sometimes lose sight of these skills and knowledge. I have found that many people often underestimate how much they know about themselves and others, and underestimate the strength that they posess to cope with and overcome the struggles that they experience. much more about themselves than they give themselves credit for, and I see part of my role as helping you unlock this knowledge and apply it in your life in ways that work best for you. While there may be times that you feel like you are not making progress, you will find that you are making more progress than you realize. We sometimes have more difficulty seeing the progress and positive qualities than we do in others. I will help guide you to see the strength and goodness that you possess and help you to see that the overall arc of our lives bends towards improvement
VirtualAvailable
View profile
Book session

New to Grow

$120/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
The one question I get most often by clients and peers is: Why did you go into the counseling profession? My response is always the same. First, I have always had a desire to help people in a time of need or distress. I have felt this way as far back as high school. Secondly, I went through a debilitating anxiety disorder in my mid-twenties. I know first-hand the helplessness and desperation mental and emotional pain causes. I never condone a therapist sharing with a client, they know how the client feels unless they themselves have experienced a similar type of pain. Lastly, I believe in the power of counseling and the benefits it can offer. Counseling is very different from medicine. Counseling requires the client to be actively involved in the process of healing and growth rather than taking medication and waiting for it to work. Counseling empowers a client to by allowing them to see their progress towards the life they desire on a daily, weekly, and even monthly basis.
Available
View profile
Book session

$200/session

Authentic
Direct
Empowering

Specialties

Trauma and PTSD
Anxiety
Depression
Demetria is a Louisville native and a University of Louisville Alumni. Her bachelors degree is in Political Science which she received from the University of Louisville in 2017. She later received her masters degree in 2020 from Lindsey Wilson College in Human Development, specializing in Clinical Mental Health Counseling. Demetria is currently a PhD-ABD doctoral student at Capella University in Counselor Education and Supervision. She was a 2023 nominee for 'wellness professional of the year' due to her continuous passion for serving her clients and supporting her colleagues alike. Demetria enjoys helping her clients identify the barriers in their journey to becoming their ideal selves. Then, assisting them with overcoming those barriers in most areas of their lives. Counseling can be a rewarding experience, and she is excited to be a part of her client's journey.
VirtualAvailable
View profile
Book session

$100/session

Holistic
Intelligent

Specialties

Parenting
Trauma and PTSD
Women's Issues
+9
My name is Alex Rentel. I have been a counselor since 2019, but been in the mental health field in other roles since 2017. I have worked with many humans from many different backgrounds with an array of different struggles. I enjoy listening to stories whether it be from another human or my audiobook. I teach yoga and enjoy being outside when the weather is nice. I am a mother and a wife and believe that my life experiences help make me the therapist that I am.
VirtualAvailable
View profile
Book session

$125/session

Solution oriented

Specialties

Couples Counseling
Depression
Family Therapy
+3
Hello, my name is Ginger Van Meter. I look at each individual as an iceberg! There's a tiny piece of ice you can see on the surface but down below and much deeper is a giant piece of ice that no one can see. That giant piece of ice represents all the stressors, emotional and mental health concerns that go back many years. Sometimes childhood trauma or even current events can create problems that we just can't seem to solve. I will help you to break that ice down and possibly even melt the ice. I always strive to do the best I can do to provide relief and comfort and help life become more manageable.
VirtualAvailable
View profile
Book session

$100/session

Solution oriented
Authentic
Warm

Specialties

ADHD
Anxiety
Grief
+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.
VirtualAvailable
View profile
Book session

$90/session

Authentic
Empowering
Warm

Specialties

Anxiety
Obsessive-Compulsive (OCD)
Women's Issues
+1
Hello! My name is Amaris, and I’m glad you’re here :) Do you ever feel like you’re carrying more than your share — emotionally, mentally, or relationally? Do you find yourself doubting your needs, overthinking decisions, or feeling responsible for everyone else’s wellbeing? Many women move through the world with expectations and pressures that shape how they show up. My work focuses on helping women understand the “why” behind their emotions and behaviors so they can move through life with more clarity, confidence, and self‑trust. Sometimes personal growth means recognizing that you’re either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a powerful place to begin that process.
VirtualAvailable
View profile
Book session

$50/session

Authentic
Direct
Solution oriented

Specialties

Addiction
Anxiety
Depression
+3
Hi there, I am Dr. Smith. Do you need a therapist who encourages, motivates and instills hope that empowers you to take control of your struggles so you can live out the best version of yourself? Life, Love and relationships often come with unique challenges that can make us feel like we are being pulled in many directions. These challenges are combined with work and financial stress that can often leave us exhausted and dissatisfied with life. I help individuals, couples and families identify stressors so that together we can begin the healing process and improve your quality of life and relationships. Whether you are struggling with anxiety, depression, substance abuse or relationship issues I am here to help. I use an approach centered around compassion, empathy, and the belief that all of us have worth and dignity. The evidence-based techniques used will give you hope while working toward the change that led you to therapy.
VirtualAvailable
View profile
Book session

New to Grow

$150/session

Specialties

Anxiety
Couples Counseling
Perinatal Mental Health
+6
With extensive experience in high-acuity clinical settings, I've worked with individuals navigating complex psychological challenges across diverse environments. This clinical background has strengthened my ability to provide thoughtful assessment, trauma-informed care, and steady guidance for families navigating the emotional transitions of pregnancy, postpartum, and parenthood. clinical approach is uniquely enriched by my background as a 500-hour Registered Yoga Instructor, integrating somatic awareness, nervous system regulation, and mindfulness practices into traditional psychotherapy. This integrative model bridges the science of Western psychology with body-based healing practices, offering clients a deeper pathway toward emotional regulation, resilience, and restoration. At the heart of my work is a commitment to generational healing and family wellness. By blending clinical expertise, somatic awareness, and culturally responsive care, I support individuals and families as they navigate parenthood, strengthen relationships, and cultivate sustainable well-being.
Available
View profile
Book session

$100/session

Warm
Authentic
Intelligent

Specialties

Serious Mental Illness
Suicidal Ideation
Trauma and PTSD
+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.
VirtualAvailable
View profile
Book session

$135/session

Solution oriented
Authentic
Intelligent

Specialties

Grief
LGBTQ
Sexual Abuse
+10
Hello, I am Joe Kephart, LCSW, a licensed clinical social worker based in Lexington, Kentucky. I bring over 20 years of leadership experience and a strong background in mental health, social work, and supportive care. I’ve worked in private practice and healthcare settings, providing psychosocial assessments, treatment planning, and integrated care. I specialize in working with: Restaurant and Hospitality Workers, from executives to hourly employee, struggling with burnout, addiction, anxiety/stress, or work-life imbalance, Grief & Loss – including divorce, illness, and non-death losses, LGBTQ+ Clients – affirming, inclusive, and identity-supportive therapy, and Adult Survivors of Childhood Sexual Abuse & Trauma. I earned my Master of Social Work from the University of Kentucky, and I’m passionate about helping people navigate life’s challenges with compassion, collaboration, and practical support. Everyone deserves to be seen, heard, and supported — especially in the moments when life feels overwhelming, complicated, or painful. I specialize in helping adults navigate grief, addiction, trauma, and identity with compassion and clarity. My practice is grounded in creating a safe, judgment-free space where you can explore difficult emotions, reclaim your voice, and begin to heal. I blend evidence-based practices such as trauma-informed CBT, mindfulness, and narrative therapy with a relational, person-centered approach. You’ll find me warm, honest, and direct — someone who will walk alongside you with both empathy and accountability. Healing is hard work, but you don’t have to do it alone. If you’re ready to begin or continue your journey, I’m here to help.
VirtualAvailable
View profile
Book session

New to Grow

$150/session

Specialties

ADHD
Anxiety
Depression
I’m a Licensed Clinical Social Worker who helps individuals and couples work through anxiety, depression, ADHD, and relationship challenges. I take a straightforward, practical approach to therapy—focusing on real-life tools that help you think more clearly, manage emotions, and improve your daily life. I enjoy working with clients who are ready to grow, take ownership, and make meaningful changes. For those who want it, I also offer faith-based counseling and help clients incorporate their Christian beliefs into the healing process.
Available
View profile
Book session

$100/session

Warm

Specialties

Self Esteem
Trauma and PTSD
Women's Issues
+9
I’m a licensed professional counselor who works with women navigating anxiety, trauma, and self-doubt that are contributing to challenges in relationships, life transitions, parenting, or overall burnout. Many of the people I work with feel overwhelmed, disconnected, or unsure of how to move forward. If that sounds familiar, you're not alone. I see therapy as a collaborative process where we walk the path together. My goal is to offer a space that feels honest, grounding, and supportive, while also helping you gently challenge patterns that may be keeping you stuck. Together, we'll work to better understand what you've been carrying and help you feel more hopeful, steady, and connected to yourself.
VirtualAvailable
View profile
Book session

$75/session

Authentic

Specialties

Anxiety
Coping Skills
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.
Available
View profile
Book session

$135/session

Warm
Authentic
Challenging

Specialties

Grief
Life Transitions
Trauma and PTSD
+6
Are you carrying pain that no one else can see? Maybe you’re showing up every day, doing what you have to do—but inside, you’re overwhelmed, stuck, or just trying to survive. You might feel like something is “off,” or that you’re too much, or not enough. If you're navigating life after trauma, grief, or complicated relationships, you are not alone—and you don’t have to do this alone. I’m a Licensed Clinical Social Worker with experience helping individuals heal from trauma, anxiety, and life’s hardest moments. I use EMDR (Eye Movement Desensitization and Reprocessing), and parts work inspired by Internal Family Systems (IFS).
VirtualAvailable
View profile
Book session

$140/session

Warm
Authentic
Empowering

Specialties

Grief
Postpartum
Women's Issues
+3
Hi, I’m Sarah, a reproductive mental health therapist dedicated to supporting individuals through the many transitions of family building. Are you facing challenges with fertility, pregnancy, postpartum adjustment, or loss? Whether you’re coping with infertility, grieving a pregnancy loss, or navigating the emotional highs and lows of pregnancy and parenthood, please know—you’re not alone. I understand firsthand the complex emotions that can arise during these deeply personal experiences. Drawing from both my clinical expertise and personal journey, I offer compassionate, evidence-based care to help you find balance, healing, and hope. As a Licensed Clinical Social Worker specializing in reproductive mental health, I provide a holistic, therapeutic approach tailored to your unique needs. Together, we’ll explore your story, strengthen your relationships, and support your transition to parenthood within a safe and nurturing space. I currently offer individual therapy via telehealth to clients in Pennsylvania and Kentucky. To learn more about my approach, please visit www.MulberryTherapeutic.com. I look forward to connecting with you and walking alongside you on your journey.
VirtualAvailable
View profile
Book session
No reviews yet
No reviews yet

$120/session

Specialties

Addiction
Anxiety
Depression
I am a Licensed Profession Clinical Counselor. I received my masters degree through Walden University. I typically use a holistic approach to address all aspects of life in order to direct you to the core reasoning of presenting issues. I have experience with clients in addiction, severe mental illness, and trauma. I love working with people who are driven to address their core issues.
VirtualAvailable
View profile
Book session

$170/session

Solution oriented
Authentic
Warm

Specialties

Couples Counseling
Depression
Personality Disorders
+10
Welcome - I am glad you are here! I am accepting new Ohio and Kentucky clients via telehealth in February. Life is a complex mix of beauty and messiness, and I believe that while time passes, true healing requires intention. Our experiences—from our earliest memories to the present—shape how we move through the world. I am here to help you gently navigate those layers, understanding how your past influences your present so you can intentionally reshape your future. My Approach I provide a safe, affirming, and non-judgmental space where you are always the expert on your own life. My practice blends: Trauma-Informed & Strengths-Based Care: Honoring your history while focusing on your inherent resilience. Practical Tools: Providing actionable skills you can use outside of our sessions to support your daily well-being. Collaborative Growth: Whether you are navigating grief, trauma, or a major life transition, we will work together to build a path that reflects your unique needs. The Goal Together, we will work toward a future where you can hold compassion for your past, purpose in your present, and genuine hope for your future. You don’t have to find your footing alone.
VirtualAvailable
View profile
Book session

New to Grow

$90/session

Specialties

Military/Veterans
Women's Issues
As an Army Veteran, I am passionate about working with fellow Veterans, active-duty service members, and their families to address the unique challenges faced within this community. With a deep understanding of military culture and the stigma surrounding mental health, I strive to create a safe, supportive, and judgment-free space where individuals can openly explore and work through these concerns. I'm a therapist who takes a trauma-informed, strengths-based approach to therapy, partnering with clients to work toward their personal goals. I have experience supporting individuals navigating substance misuse, women’s health concerns, and life transitions. I incorporate elements of mindfulness, Motivational Interviewing, and cognitive therapy into my work with clients. My approach emphasizes collaboration, resilience, and creating a supportive space for meaningful change.
VirtualAvailable
View profile
Book session

$120/session

Authentic
Humorous
Open-minded

Specialties

Addiction
Life Transitions
Women's Issues
+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
View profile
Book session

$90/session

Authentic
Solution oriented
Challenging

Specialties

Anxiety
Depression
Trauma and PTSD
+10
As a licensed therapist in Kentucky with over three decades of clinical experience, I specialize in supporting individuals navigating the complex emotional landscape of life. My practice focuses on addressing challenges such as depression, anxiety, trauma, grief, and interpersonal relationship dynamics. I have extensive expertise in working with teens, adults, older adults, veterans, first responders, and individuals experiencing life transitions.
VirtualAvailable
View profile
Book session

$100/session

Warm
Authentic
Humorous

Specialties

Anxiety
Depression
Mood Disorders
Hi there, I'm Jamie. In life, do you often feel as if you are driving alone down a dark road and are sometimes overcome with the burdens of everyday life? Is it hard for you to be kind to yourself? Do you feel that depression or anxiety is taking away your joy? Let me help you get that joy back. Seeking therapy can be scary but you are making the right choice. You are in the driver's seat. I am merely a passenger, with the necessary tools to assist you in finding the light at the end of the tunnel. I utilize an interpersonal approach that is specific to your needs to assess the situation and provide guidance along the way. My goal is to meet you where you are in your journey and help you get where you want to be. You deserve a safe space to heal and grow. In our sessions together, I'll help you with compassion and evidence-based techniques, so you can overcome the 3 H’s – hangups, hardships, and habits- that are holding you back. I can't wait to meet and talk so we can work together to reach your goals!
VirtualAvailable
View profile
Book session
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 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.

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 a specific issue?

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.

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 happens during the first therapy 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.