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 193 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: 9/7/2026

New to Grow

$135/session

Specialties
Anxiety
Life Transitions
I am a Licensed Clinical Social Worker providing telehealth psychotherapy to women across Indiana and Kentucky. My work focuses on anxiety, mood changes, and sleep disruption during perimenopause and menopause. I began developing this specialty after recognizing both clinically and personally how significant the neurohormonal transition of midlife can be. Perimenopause is often discussed medically, but the emotional and cognitive effects are frequently under-addressed. Through both professional experience and my own navigation of this stage, I saw a clear need for structured, evidence-based mental health care designed specifically for women in this transition. My approach is grounded in cognitive behavioral therapy and behavioral sleep strategies. Treatment is practical, collaborative, and focused on stabilizing symptoms while supporting the broader developmental shifts that occur in midlife.
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$100/session

Humorous
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
I am a LPCC-S in Kentucky with over 13 years of experience that include working as a treatment director and therapist of a mental health facility. I have worked with clients with a wide range of concerns including depression, anxiety, relationship issues, parenting problems, career challenges, OCD, DMDD, ODD, PTSD and ADHD. I also helped many people who have experienced physical trauma or emotional abuse, and I am certified for TF-CBT and working on the trauma narrative. I have worked with all ages which includes children (6-12), adolescents (13-20), and adults.
VirtualAvailable
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New to Grow

$100/session

Specialties
Addiction / Substance Use
Anxiety
Depression
+9
My name is Rhea Caudill. I am the owner of Avenues of Grace Christian Therapy Services. I have been practicing as a Marriage and Family Therapist for 17 years - being fully licensed (independent) for the last 4 1/2 years. I work with individuals, couples, children, and families as a whole. I prefer to use Cognitive Behavioral Therapy; however, I am open to other modalities too if CBT doesn't fit my client.
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$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.
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New to Grow

$100/session

Specialties
Anxiety
Depression
Spirituality
Hello and thank you for visiting my page! My name is Bethany but I go by Beth. I am a Licensed Clinical Social Worker in the state of Kentucky. I have been providing individual, family, couples, and group therapy for 18 years. I graduated from Morehead State University in 2005 with a Bachelor's Degree in Psychology and a Bachelor's Degree in Social Work. I graduated from the University of Louisville in 2007 with a Master's Degree in Social Work. I have had a considerable range of experience over my 18 years of therapy. I have worked with all age groups and a wide variety of diagnoses. One of my particular areas of expertise is helping people with stress/anxiety. I have worked successfully with many clients who have Generalized Anxiety Disorder, panic attacks, agoraphobia, etc. I am a believer in the mind/body connection and take a holistic approach to helping people heal and improve their lives. Choosing a therapist is a very personal decision. Some of.my strengths as a therapist include excellent listening skills, a high level of compassion and empathy, patience, and a strong dedication to helping people heal. You have taken a big step in improving your life! Remember you are not alone. I am here to help!
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New to Grow

$90/session

Specialties
Coping Skills
Family Therapy
Foster Care/Adoption
+9
As a Licensed Marriage and Family Therapist with five years in private practice, I firmly believe that healing is attainable for anyone open to the process. Working from a systemic perspective, I support individuals, couples, and families as they navigate complex challenges. My areas of clinical experience include trauma, domestic violence, adoption, anxiety, depression, self-esteem, self-care, and relationship dynamics. Beyond my practice, I am a published author, a mother of two, and a grandmother of three, with a passion for music, singing, writing, art, and cooking. Having navigated life's challenges through therapy and strong support systems, I understand the transformation that recovery brings, and I would be honored to walk alongside you on your healing journey.
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$150/session

Authentic
Intelligent
Warm
Specialties
Anxiety
Depression
LGBTQ
+5
I'm Wanda. I identify as a Black queer masc of center woman. I’m here to be like your favorite Black Queer Auntie on the porch to process what’s been holding you back to get you moving forward. I love working with BIPOC and queer people and couples. We can sip tea together or play a video game to get to the same goal. Counseling or coaching are options for getting you on your way.
VirtualAvailable
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New to Grow

$125/session

Specialties
Anger Management
Family Therapy
Trauma and PTSD
+10
Hello! I began my journey toward Mental Health Therapy trying to understand my husband's PTSD and finally figured out what I wanted to be when I grew up, at the tender age of 60. I received my Bacherlors Degree in Psychology at 60 and my Masters in Marriage and Family Therapy seven years ago at 65. I've been working with teenagers and adults since I graduated.
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$125/session

Solution oriented
Authentic
Intelligent
Specialties
Anxiety
First Responders/Healthcare Workers
Military/Veterans
+8
With over 21 years of experience in the mental health field, I am dedicated to helping adults navigate life’s challenges and find healing. As an LPCC licensed in both Ohio and Kentucky, I specialize in treating trauma, anxiety, depression, relationship struggles, and self-esteem issues. I hold a Master’s degree in Counseling from the University of Cincinnati, and my approach integrates a deep understanding of human emotion with a genuine desire to create meaningful change. My therapeutic style is warm, approachable, and often includes humor to help create an open and supportive space for growth. I use trauma-informed care and evidence-based practices to help clients process past experiences, build resilience, and reclaim their sense of safety and control. Validation, empathy, and humor are key tools I use to make healing feel not only possible but hopeful. Together, we work to foster lasting change, create healthier coping strategies, and develop a stronger, more empowered sense of self. Life’s challenges can feel overwhelming, but with the right support, transformation is always within reach. I am here to walk with you, every step of the way, toward a future filled with healing, strength, and peace.
VirtualAvailable
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$95/session

Empowering
Authentic
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
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$100/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Life Transitions
+5
Sometimes it feels like the actual apocalypse is just around the corner. We are bombarded with terrible headline after terrible headline. Inflation is making it harder to pay the bills, let alone have fun, or reach our dreams. With so much going on in the world, it’s no wonder that there are greater rates of anxiety and depression! In the midst of it all, you might be trying to figure out who you are, what you want from life, how to have that honest conversation with your friend, setting boundaries with a parent, whether to switch jobs, learning to be more comfortable in your skin, etc. It’s a lot to manage. I can help. I am a licensed psychologist and consider myself a generalist with a wide variety of clinical interests including issues related to family of origin, self esteem, identity development, issues related to oppression and marginalized identities, depression, anxiety, stress, and interpersonal relationships.
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$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
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$100/session

Authentic
Warm
Solution oriented
Specialties
Obsessive-Compulsive (OCD)
Personality Disorders
Trauma and PTSD
+10
Hello! My name is Rachel Fondren and I am a licensed independent clinical social worker and private independent practitioner. I graduated from the University of North Alabama with a Bachelors in Social Work and from the University of Southern California with a Masters in Social Work. Over the years, I have worked with individuals on a wide range of concerns including depression, anxiety, relationship issues, personality disorders, trauma, career challenges, OCD, ADHD, and Serious Mental Illnesses.
VirtualAvailable
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$85/session

Authentic
Solution oriented
Specialties
Anxiety
Health/Medical Issues
Life Transitions
+10
Hello, I'm Sarah. I'm a licensed clinical social worker who works with adults virtually in Ohio, Indiana, and Kentucky. I strive to be easy to talk to, and I believe therapy should feel like a space where you can show up exactly as you are—without pressure, judgment, or needing to have everything figured out. My practice is collaborative, down-to-earth, and centered on what matters most to you. We’ll make room for whatever you’re carrying, whether it’s stress, relationship challenges, big life changes, old patterns that keep showing up, or simply the feeling that something needs to shift. I’ll listen closely, help you make sense of what’s going on, and support you in finding practical ways to move forward. I want our work to feel real and useful—not overly clinical or one-size-fits-all. Together, we’ll go at a pace that feels right for you, build on your strengths, and create space for more clarity, confidence, and self-trust.
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$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.
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$135/session

Warm
Direct
Empowering
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.
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$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Perinatal Mental Health
Trauma and PTSD
+6
Hi, I’m Amy. I live in Missouri with my husband, our sweet dog, and two very sassy cats who keep life lively. Being both a military spouse and a Licensed Clinical Social Worker has shaped who I am, both personally and professionally. Over the years, I’ve had the privilege of supporting individuals and families through life’s many transitions, challenges, and seasons of growth. I specialize in anxiety, trauma, and perinatal mental health. My journey into social work began with a bachelor’s degree from the University of Alaska, followed by a master’s from the University of Maine. For more than 20 years, I’ve been walking alongside people as they navigate anxiety, trauma, infertility, grief, and the everyday pressures of life. What I love most about this work is creating a safe, supportive space where people can feel heard, understood, and empowered to reconnect with themselves. At the heart of my approach is the belief that healing is possible—and that resilience can grow even in the most difficult circumstances. Whether we’re working through painful past experiences or exploring new ways to cope with stress, my goal is to help you find hope, balance, and a deeper sense of self. If you’d like to know more about me and the work I do, you can visit: https://kerstenlcsw.com/
VirtualAvailable
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$135/session

Challenging
Empowering
Specialties
Anxiety
Depression
Mood Disorders
+10
I’m Royce L. Jones, MS, LPCC, MBA — a licensed professional counselor associate, Navy veteran, and mental performance consultant dedicated to helping individuals grow with intention. I specialize in working with student-athletes, high-performing professionals, and men navigating identity, leadership, and life transitions. My approach blends evidence-based practices like EMDR, mindfulness, and performance psychology with culturally responsive care to create a space that is honest, practical, and growth-focused. My goal is simple: to help you build awareness, strengthen resilience, and become the best version of yourself — on and off the field.
VirtualAvailable
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New to Grow

$120/session

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.
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$125/session

Authentic
Solution oriented
Warm
Specialties
Depression
Suicidal Ideation
Trauma and PTSD
+9
Hi! I am a Licensed clinical social worker. I received my masters from the University of KY in 2009 and my doctorate from the University of Ky in 2022. I have been working in this field for almost twenty years and have worked in medical social work, addiction, intimate partner violence and mental health. My mental health experience began in crisis response, the inpatient psychiatric care, outpatient mental health and then directing a program for patients with severe mental illness. My specialty is complex trauma but I also help patients struggling with generalized anxiety, depression or life stressors.
VirtualAvailable
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$120/session

Solution oriented
Authentic
Open-minded
Specialties
Addiction
Anxiety
Depression
+5
Hi, I’m Regina Hancock, M.ED., LPCC-S I’m an experienced Counselor who can help shape your perspective into a healthy and productive one. Whether it’s your relationships, or anything else that’s important to you, I’ll help you develop the habits and skills to effectively deal with the challenges and emotional moments you may encounter in life. I have been a therapist since 2016 and I obtained my LPCC in 2019. I have since obtained my LPCC-S. I am very excited to be able to help others and assist them in becoming a better version of themselves. I am a Lindsey Wilson College graduate; I first attended LWC in 2002-2007 I obtained an Associates of Arts degree in Early Childhood and Development and a Bachelors of Arts in Christian Ministries. I went back to LWC in 2014-2015 and obtained a Masters of Education in Human services and counseling. I am currently pursuing a PHD in Counselor Education and Supervision from The University of the Cumberlands.
VirtualAvailable
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$80/session

Authentic
Warm
Solution oriented
Specialties
ADHD
Anxiety
Depression
+7
Losses, social isolation, family tension, work fatigue, health issues, and uncertainty have created an imbalance in our lives, consequently decreasing our overall well-being. We are all striving to grow the life we desire. I help individuals flourish through integrative, evidence-based therapy while providing a structure of accountability for in-between-session work. I've been a Licensed Professional Clinical Counselor (LPCC) since 2008, was initially licensed as an LPCA in 2004, and am a Certified Integrative Mental Health Professional (CIMHP). I've worked with individuals experiencing depression, anxiety, grief, AD(H)D, trauma, and relationship conflicts. Together, we can develop a toolbox of resources to help you become more resilient.
VirtualAvailable
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$120/session

Authentic
Warm
Empowering
Specialties
Anxiety
Coping Skills
Depression
+10
I am a Licensed Clinical Social Worker and have been in the mental health field for 31 years and a clinical therapist for 24 years. I received my bachelor degree from The University of the Cumberlands in 1987 and my Masters in Social Work from the University of Hawaii at Manoa in 1993. I provide counseling for multiple issues to include mental health, healthy relationships, anger management, and building coping skills. I specialize and have specific training and certifications in treating people who have experienced abuse and domestic violence. My mission is to provide clinically sound, faith-based counseling accessible to those who seek it. Integration of faith in therapy will be to the extent of the individual's interest. I work with multiple clientele and provide a trusting and nonjudgmental environment, and spirituality will not be discussed or forced on those that may not have a religious belief or have no interest in incorporating faith into their treatment process.
VirtualAvailable
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$115/session

Authentic
Warm
Empowering
Specialties
Addiction
Addiction
Anxiety
+12
Hi there, I'm Emma. I admire your courage in taking the first step to improving your mental and emotional well-being. Are you struggling to find a sense of inner peace and contentment? Feeling misunderstood? Overwhelmed by endless self-defeating thoughts? Exhausting all efforts to cope with pain, trauma, fear, relationships, loss, stress? As a client-centered, holistic therapist I'll hold a safe, supportive space for you to show up as your authentic self to cultivate healing and wholeness. I'm a Licensed Clinical Counselor in Kentucky and have worked with adolescents and adults treating anxiety, depression, addiction, and other mental health challenges. If you’re ready to actively seek a happier, healthier life, contact me to set up an appointment. I look forward to hearing from you.
VirtualAvailable
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$65/session

Authentic
Solution oriented
Warm
Specialties
Anger Management
Anxiety
Depression
+5
I have worked in Counseling and Human Services for 20yrs. I have been a Licensed Professional Counselor in Lexington Kentucky since 2015. My goal is to provide a non-judgmental environment for clients to openly share their experiences. Cognitive Behavioral Therapy is the foundation of my treatment approach as I assist clients with identifying negative thinking patterns that support anxiety and depression.
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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.

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.