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 196 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.

Find therapists near you in

LexingtonLouisville

Availability updated: 10/8/2026

$150/session

Authentic
Warm
Intelligent
Specialties
Anxiety
Family Conflict
Spirituality
+12
Hi! I'm Carolyn. I know I'm probably biased, but therapy is one of my favorite things! I'm so glad that you're here and I am excited for the opportunity to work together. I want to work with clients who are ready and willing to make changes in their lives. Don't get me wrong, change is difficult, but so is staying the same. You may not know exactly what needs to change but being willing to do something different is a step in the right direction! Working with me, you'd be working with a motivated therapist who takes a vested interest in your life and needs. I believe in coming alongside you in your healing journey. I am excited and ready to wrestle with life's unanswered questions with you and to help you change your life! Please reach out if you have questions or are curious about the therapy process. It is not lost on me how difficult it is to reach out when you need help and I am honored that you chose to reach out to me. Let's walk through this together!
VirtualAvailable

$75/session

Solution oriented
Authentic
Empowering
Specialties
Anxiety
Depression
Suicidal Ideation
+10
Hi I’m Kayla, a licensed professional counselor in Louisville, KY. I have been practicing for over 11 years in a variety of settings including both in-patient and outpatient offices. I utilize many techniques including CBT, ACT, and DBT skills. I am trained in art therapy as well and am happy to bring those techniques to sessions when clients are open to this. I work with adolescence and adults and offer a LGBTQ+ friendly space.
Available

Often rebooked

$90/session

Empowering
Solution oriented
Authentic
Specialties
Anxiety
Depression
Eating Disorders
+8
I’m a Licensed Clinical Social Worker (LCSW) based in Kentucky. I understand that seeking help takes courage, and I believe that real, lasting change—though often difficult—is always possible. My approach is warm, collaborative, and grounded in mutual respect. I consider it a privilege to hear your story, support your healing process, and help you move toward the life you want to live. You deserve to feel seen, supported, and empowered—through an approach that feels right to you.
VirtualAvailable

New to Grow

$100/session

Specialties
Depression
Life Transitions
Perinatal / Postpartum
+2
“In my early professional years I was asking the question: How can I treat, or cure, or change this person? Now I would phrase the question in this way: How can I provide a relationship which this person may use for their own personal growth?” ― Carl R. Rogers I’m a Licensed Clinical Social Worker who provides compassionate, trauma-informed therapy for adolescents and adults. My practice focuses on helping clients navigate trauma, anxiety, depression, relationship challenges, life transitions, and the impact of difficult or overwhelming experiences. I believe therapy should feel like a collaborative space where you can be understood without judgment while also developing practical tools to create meaningful change.
Available

Often rebooked

$125/session

Direct
Open-minded
Warm
Specialties
Anxiety
Depression
Life Transitions
+10
Life is tough, and starting therapy is a big step- I'm glad you're here! I view therapy as a safe, nonjudgmental space where you learn more about yourself and what you want. As your therapist, I'll help you identify patterns in your thoughts, feelings, and behaviors that may be holding you back. We'll work together on a plan that focuses on what matters most to you. My ultimate goal is to give my clients the tools they need to live their best lives and be the best version of themselves possible. It's natural to want to know about a potential therapist, so here's some info about me and my experience that will help you determine if we'd be a good fit: I have 15 years of clinical social work experience, much of it in hospital and crisis settings. I really enjoy learning and staying up to date with the latest advances in clinical practice, and I earned my doctorate in social work in 2023. I work best with those struggling with mood disorders, anxiety, and depression. I enjoy working with people to navigate life's many stressors, including employment and relationship issues. Additionally, I am an LBGTQ+ and neurodiverse-affirming therapist with extensive training and expertise in these areas. My approach is warm, supportive, and collaborative—I aim to create a space where you feel truly heard and supported. I'll check in frequently to make sure you're getting what you need out of therapy. I like sessions to be structured enough that they feel productive, while allowing space to discuss the topics most important to you in the moment.
VirtualAvailable

New to Grow

$150/session

Specialties
Career Counseling
Childhood / Intergenerational Trauma
Trauma and PTSD
I am a licensed mental health therapist dedicated to providing a compassionate, supportive space for individuals of all stages. My practice focuses on helping adults navigate life’s challenges, build resilience, and achieve meaningful personal growth through evidence-based care tailored to each client's unique needs. I am especially passionate about helping clients navigating through traumatic situations.
Available

New to Grow

$75/session

Specialties
ADHD
Anxiety
Self Esteem
+10
Therapy can be very intimidating, especially if you are not aware of the expectations or if you don’t feel safe talking to your chosen provider. My experiences as a counselor have allowed me to work with those that struggle with low self-esteem, anxiety, difficulty with life transitions, and uncertainty about their identity or if they belong. Therapy should seek to address the roots of whatever negative thoughts or beliefs contribute to these ongoing issues, and I am here to help you uncover those roots so that you can achieve healing. If you are tired of wrestling with feelings of not being good enough and are ready to show kindness to yourself, I would love to help you reach that point. We will work together to create goals that are realistic, manageable, and appropriate for your situation. Then, we will work at your pace to see those desires become reality.
Available

$120/session

Specialties
Couples Counseling
First Responders/Healthcare Workers
Life Transitions
+10
I’m a warm, down-to-earth therapist with more than 25 years of experience helping people navigate anxiety, trauma, relationships, grief, career and life transitions, and those seasons when life simply doesn’t look the way you thought it would. My approach is compassionate, practical, solution-focused, and collaborative. I’ll listen carefully and create a space where you can be completely yourself—but I’ll also ask thoughtful questions, offer honest feedback, help you recognize patterns, and give you practical tools you can actually use outside of therapy. Life experience has shaped me just as much as education and professional training. I’ve been married to my HS sweetheart for more than four decades, raised three children, experienced loss and grief, navigated career changes, family challenges, parenting, marriage, aging, and the many unexpected chapters that come with building a life alongside the people you love. Those experiences have given me a deep appreciation for resilience, relationships, humor, and the fact that none of us gets through life without a few scars and stories! My work is especially meaningful with adults and couples navigating anxiety, trauma, relationship challenges, parenting, first responder or military life, grief, major transitions, and questions about identity or purpose. I enjoy working with people who may appear capable and successful on the outside while privately feeling overwhelmed, disconnected, stuck, or exhausted from holding everything together. My therapy is holistic and individualized. Depending on what fits you, we may incorporate evidence-based approaches alongside mindfulness, humor, nature, animals, relationships, meaning and purpose, and faith or spirituality if that's valued. I believe therapy should help you understand where you’ve been without keeping you there. Together, we’ll focus on healing what hurts, strengthening what already works, and helping you intentionally build a life and relationships that feel authentic, meaningful, and with any luck a little lighter.
Available

$90/session

Warm
Authentic
Open-minded
Specialties
ADHD
Anxiety
Trauma and PTSD
+8
I’m a Licensed Clinical Social Worker (LCSW) based in Kentucky. I earned my Master’s degree in Social Work and have been practicing in the mental health field for 14 years. Throughout my career, I have gained extensive experience working with adolescents and adults experiencing ADHD, OCD, bipolar disorder, substance use, anxiety, and depression. My approach is centered on helping individuals heal from past and present trauma, develop greater self-awareness, and recognize and transform unhealthy patterns of thinking and behavior. I strive to create a safe, supportive, and nonjudgmental environment where clients feel heard, understood, and empowered to grow. My goal is to help each person better understand themselves, build effective coping skills, and move toward becoming the healthiest and most fulfilled version of themselves.
VirtualAvailable

$125/session

Warm
Empowering
Authentic
Specialties
Anxiety
Coping Skills
Depression
+10
Hi! I am a licensed clinical social worker based in Kentucky. I received my master's degree from the University of Louisville and have been practicing for the past 15 years. I help people of all ages and walks of life become the best versions of themselves. I am here to provide a safe space for people to process their struggles and develop goals that improve the quality of their life.
VirtualAvailable

$100/session

Authentic
Direct
Empowering
Specialties
Perinatal Mental Health
Postpartum
Women's Issues
+10
Hey there! I'm a Licensed Professional Clinical Counselor Supervisor (LPCC-S) with over 12 years of experience dedicated to supporting and empowering women through life's transitions-because life is always life-ing. My specialty is perinatal mental health. As a certified Perinatal Mental Health Specialist (PMH-C) through Postpartum Support International, I walk alongside women through pregnancy, postpartum, the fourth trimester, traumatic birth, and loss-the seasons that change you in ways no one fully prepares you for. I support women navigating: Perinatal and postpartum depression and anxiety Perinatal OCD and traumatic birth Mother and infant attachment Parenting in recovery Pregnancy and infant loss and grief The fog of depression, anxiety, or stress blocking your path back to yourself Burnout from expectations you never should have carried alone Compassion fatigue — for the helpers, healers, and caretakers who pour from an empty cup Grief of a person, relationship, lifestyle, or a version of yourself Life. The deep, bone-tired desire to stop surviving and start healing Fresh endings and new beginnings This is an inclusive, affirming space that celebrates all backgrounds, identities, and family structures. You belong here-exactly as you are.
Available

$80/session

Warm
Authentic
Intelligent
Specialties
Addiction
ADHD
Anxiety
+8
Hi there! I’m a Licensed Professional Clinical Counselor (LPCC) in Kentucky with a Master’s degree in Counseling from Eastern Kentucky University. I’ve worked in the mental health field for over eight years and have spent the last five years providing therapy. I support clients navigating challenges such as substance use, grief and loss, ADHD, trauma, depression, and anxiety. My approach is compassionate, collaborative, and focused on helping you build the tools to live a more balanced and fulfilling life. I look forward to supporting you as you begin your journey toward your best self!
VirtualAvailable

$125/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+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

$110/session

Authentic
Warm
Intelligent
Specialties
Emotional Regulation
Life Transitions
Mood Disorders
+9
Feeling overwhelmed, stuck, anxious, or facing a major life transition? I provide a safe, supportive space where adults can slow down, gain clarity, and develop practical strategies for moving forward. Throughout my extensive career, I've helped people navigate life's challenges both as a licensed clinical therapist and as a healthcare executive leading major hospital systems. Whether you're dealing with anxiety, burnout, relationship challenges, grief, or a major life transition, I provide a supportive space to gain clarity, build resilience, and move forward with confidence. Raised in Chicago’s Rogers Park and influenced by my father’s resilience as a Holocaust survivor, I bring a strong foundation of empathy and perspective to my work. I hold a master's in clinical social work from Loyola University and am licensed in Arizona, Florida, Illinois, Kentucky, New Mexico and West Virginia. I also earned a master's degree in business administration from North Park University and an executive management certification from University of Southern California. Having lived and worked across the United States and internationally, I bring a broad, culturally informed perspective to my practice. My therapeutic philosophy emphasizes positivity, confidence, and persistence.
VirtualAvailable

$100/session

Authentic
Warm
Empowering
Specialties
ADHD
Depression
Life Transitions
+3
I am a therapist who provides a warm and steady space for clients navigating anxiety, depression, OCD, substance use, parenting stress, and major life transitions. I help people make sense of what they’re going through, feel more grounded and in control of their emotions, and move toward a life that feels lighter, clearer, and more hopeful. My approach is relational and practical, drawing on DBT, CBT, and mindfulness based strategies to support meaningful and sustainable change. I began my career in medical social work before transitioning into full-time therapy specializing in neurodivergence, emotional regulation, and life transitions. I earned my LCSW while working at UK Healthcare, and spent ten years working with a wide range of patients. Since August 2025, I have been in private practice, where I’m able to offer intentional, client centered care with a healthier work life balance. I earned my Doctor of Social Work degree from the University of Kentucky in 2026.
Available

$120/session

Solution oriented
Challenging
Direct
Specialties
ADHD
Anxiety
Depression
+10
I am a Licensed Clinical Social Worker with over four years of experience supporting children, adolescents, and adults through life’s challenges. I believe therapy is a collaborative process built on trust, understanding, and feeling truly heard. I enjoy creating a safe and welcoming space where clients can explore their thoughts, emotions, and experiences while working toward meaningful goals. My approach is warm, supportive, and personalized to each client’s unique needs. I have experience helping clients navigate anxiety, depression, grief and loss, anger management, emotional regulation, self-esteem, and major life transitions. Building genuine connections and understanding each person’s story is one of the most important parts of my work. Outside of therapy, I enjoy reading, traveling, and continuing to learn and grow both personally and professionally. I bring curiosity, compassion, and a commitment to helping clients recognize their strengths and develop skills to create positive change.
Available

$100/session

Specialties
Anxiety
Spirituality
Trauma and PTSD
Are you exhausted from feeling anxious, overwhelmed, or emotionally stuck? I help children, teens, and adults heal from trauma using EMDR, attachment-focused, and faith-sensitive therapy. I integrate evidence-based approaches like CBT and EMDR with a compassionate, grounded style, and I offer faith-based counseling for those who want to include their Christian beliefs in the healing process. My goal is to create a safe, supportive space where you can experience clarity, peace, and lasting change.
VirtualAvailable

$120/session

Empowering
Solution oriented
Warm
Specialties
Anxiety
Life Transitions
Depression
+7
I am an LCSW with more than 25 years of experience working with individuals and families to to help them live their best lives. I offer a welcoming and safe space to address your concerns and find soultions to your problems. We will begin working on a plan to address the issue that brings you to therapy in our first session. You will leave our first session feeling heard and understood and supported.
VirtualAvailable

$90/session

Warm
Empowering
Open-minded
Specialties
Anger Management
Anxiety
Depression
+1
I am a Licensed Clinical Social Worker who is deeply committed to helping individuals feel understood, supported, and empowered in their healing journey. I work with adolescents and adults experiencing challenges related to trauma, anxiety, and depression, providing a safe and compassionate space to explore their experiences and build meaningful change. My approach is rooted in empathy and genuine connection. I believe that each person has the capacity for growth and healing, even when life feels overwhelming or painful. Through evidence-based approaches such as EMDR, CBT, and DBT, I help clients process difficult experiences, develop effective coping strategies, and gain a stronger sense of self. My goal is to support clients in moving beyond survival mode and toward a life that feels more balanced, fulfilling, and aligned with who they are. I strive to help individuals build self-worth, strengthen relationships, and feel more confident in their ability to navigate life’s challenges while embracing their authentic selves.
Available

Often rebooked

$90/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+8
Hi, I'm Helena (Hell-in-uh)! I am a Licensed Clinical Social Worker with 10 years of experience! I like to emphasize that at the heart of my practice, I am a Social Worker and I approach my work from that perspective. I acknowledge that there are barriers we all experience to living our best lives and that certain people experience more and worse barriers because of who they are. My work is most rewarding when I get to help folks level the playing field by accessing the support, validation and compassion they need.
VirtualAvailable

$120/session

Authentic
Empowering
Warm
Specialties
Addiction
LGBTQ
Trauma and PTSD
+10
Hello! Are you having trouble finding balance in life? Do you find it difficult to make your actions and intentions align? Are you struggling to connect to people in meaningful ways? I help people find more calm, peace and headspace in life. I will always meet you right where you are. As our starting point, we will identify what is keeping you from being the best version of yourself. I am passionate about integrating mindfulness, yoga and education about our nervous system to develop a stronger relationship with yourself. Whether you’re dealing with overwhelm, relationship issues, a traumatic past, increased substance use, or cycles of anxiety and depression, I’m here to help. I offer a non-judgmental space, using evidence-based treatments where you may heal and grow.
VirtualAvailable

$135/session

Warm
Direct
Authentic
Specialties
Anxiety
Trauma and PTSD
Women's Issues
+3
Hey, I'm Melanie. I 've been practicing since 1998 and believe that a strong therapeutic relationship is one of the most important factors for successful therapy. My style is warm, genuine, and down to earth. I strive to create a space where clients feel comfortable being themselves, knowing that they'll be treated with respect and without judgement. While I provide lots of support and encouragement, I also am willing to ask difficult questions and offer honest feedback when it's helpful.
Available

$100/session

Warm
Authentic
Empowering
Specialties
Anxiety
Obsessive-Compulsive (OCD)
Trauma and PTSD
+10
Dear future client, I am a Licensed Clinical Social Worker (LCSW) based out of Kentucky but licensed in KY and Illinois. I received my master's from the University of Louisville and have been practicing for 9 years. I work alongside adults to assist in managing strong emotions to support mental wellness. Adults who need support while learning ways to cope. A space to process unhealthy attachments and traumatic experiences.
VirtualAvailable

$125/session

Warm
Authentic
Open-minded
Specialties
Addiction
Anxiety
Trauma and PTSD
+8
Hi! I am Dr. Kelli Stephens, a Licensed Clinical Social Worker (LCSW-S) with a Doctorate in Social Work (DSW) from the University of Kentucky. I have extensive experience as both a Therapist and an Executive/Clinical Director, and I am passionate about helping individuals navigate life’s challenges with resilience and self-compassion. My approach is warm, direct, and collaborative, drawing from evidence-based therapies to support clients in achieving meaningful growth and healing. I specializes in trauma therapy, addiction, and anxiety. I have experience working with adults and adolescents struggling with a variety of mental health disorders.
VirtualAvailable

Often rebooked

$75/session

Warm
Authentic
Humorous
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
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.

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.