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 202 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: 10/14/2026

$75/session

Authentic
Empowering
Solution oriented
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

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

New to Grow

$120/session

Specialties
Self-Harming
Suicidal Ideation
Trauma and PTSD
+10
I’m a compassionate and supportive therapist dedicated to helping clients navigate life’s challenges and create meaningful, lasting change. I strive to provide a safe, judgment-free space where you can feel heard, understood, and empowered. Together, we’ll explore your goals, build on your strengths, and develop practical tools to help you feel more confident and fulfilled. You don’t have to navigate life’s challenges alone. 💚 Therapy can be a space to feel heard, gain clarity, and build the tools you need to move forward. If you’re ready to prioritize your mental health and invest in your well-being, I invite you to take the first step. Reach out today to connect and explore whether we’d be a good fit to work together. You deserve support, growth, and space to become the best version of yourself.
Available

New to Grow

$80/session

Specialties
Depression
Family Conflict
Foster Care/Adoption
+9
Hi there! I’m a Licensed Clinical Social Worker who works with adolescents and adults navigating life’s challenges, including anxiety, depression, trauma, relationship and family concerns, and other mental health challenges. I have a particular heart for working with women and families and believe therapy is most meaningful when it feels like a genuine, supportive human connection. My goal is to create a warm, welcoming space where you can feel heard, understood, and comfortable being yourself. I’ll meet you where you are, without judgment, and work collaboratively with you to better understand your experiences, build on your strengths, and move toward the life you want.
Available

New to Grow

$125/session

Specialties
Emotional Regulation
Life Transitions
Trauma and PTSD
+9
I am passionate about providing compassionate, intentional, and nonjudgmental care that helps clients work toward meaningful goals and lasting personal growth. My approach to therapy is collaborative and supportive, creating a space where you can feel heard, explore your experiences, process difficult emotions, and develop practical tools to navigate life's challenges. I am a Licensed Clinical Social Worker (LCSW) with nearly 10 years of experience supporting children, adolescents, and adults across a variety of mental health and community settings. My professional background includes psychiatric emergencies, crisis stabilization, residential care, criminal justice, homelessness and housing services, developmental disabilities, private practice, school-based and community-based therapy, and individual and family counseling. These experiences have shaped my understanding of the unique challenges people face and the importance of meeting each person with compassion, respect, and individualized care. I earned my Bachelor of Arts in Psychology in 2015, Bachelor of Social Work in 2017, and Master of Science in Social Work (MSSW) in 2019 from the University of Louisville and its Kent School of Social Work. My therapeutic approach incorporates evidence-based practices, including Eye Movement Desensitization and Reprocessing (EMDR), which can help individuals process traumatic experiences and address related emotional distress. I strive to tailor therapy to your needs, pace, and goals while helping you build resilience, strengthen coping skills, and move toward healing. I believe therapy is a space where you can show up as you are, without fear of judgment or pressure to have everything figured out. Whether you are navigating anxiety, difficult life experiences, emotional challenges, or seeking personal growth, we can work together to identify your strengths and develop a path forward that feels right for you. Outside of therapy, I enjoy spending time with my family, engaging in sports, hiking, learning new skills, and binge-watching Netflix.
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

$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

$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

Warm
Authentic
Specialties
Anxiety
Depression
Trauma and PTSD
+7
Feeling stuck, overwhelmed, or just exhausted from trying to hold everything together? You don't have to navigate it alone. I am a LCSW working with teenagers and adults who are ready to break free from cycles of overthinking and self-doubt. My approach is warm, down-to-earth, and compassionate. I tailor our sessions to fit your unique needs using practical tools from MI (Motivational Interviewing), CBT (Cognitive Behavioral Therapy), DBT (Dialectical Behavioral Therapy), and ART (Accelerated Resolution Therapy). Together, we’ll build practical tools to help you breathe easier and move forward with confidence. Outside of session, you can find me hiking (with or without my dog), playing volleyball, volunteering in my church, and relaxing at home.
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

$100/session

Authentic
Direct
Empowering
Specialties
Anxiety
Self Esteem
Trauma and PTSD
+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!
VirtualAvailable

New to Grow

$40/session

Specialties
Family Conflict
High Clinical Acuity
Trauma and PTSD
+9
My identity and therapy practice are highly intertwined as I always say "I am a human before I am a therapist". Yes I went to college and got a big degree but my general desire for my clients is for them to feel like they are sitting with an authentic human who has "been there before". I moved from my home in Eastern KY Appalachia to Louisville in 2019. Having this experience has shown me that there ain't much difference in the suffering people have in the country and the city. I believe that our current society and systems all too often force people into hard spots and then tell them to pull themselves up and keep it pushing. My goal in therapy is to slow things down to normalize for you that we are not working on "what's wrong with you" but instead "what happened to you". This allows you to feel safe enough with me to share the parts of your life/mental that even you don't want to address. That is when you start healing. Cause once you feel seen and supported, you feel empowered enough to figure out how YOU want to live (not how you have been told to). I describe this whole process as you are driving the car and I am riding "shot gun" just pointing things out and making suggestions! I find that my unconditional acceptance of clients, use of real world humor/experiences, and gently pushing for change allows us to start building the skills and strategies you need to live in this world as an authentic you. Another favorite saying of mine is "it's your world my guy I'm just living in it"!
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

New to Grow

$120/session

Specialties
Addiction / Substance Use
Family Conflict
Trauma and PTSD
+7
I’m a Marriage and Family Therapist, current PhD student in Medical Family Therapy, and clinician with a background in addiction treatment and trauma-informed care. Welcome to Phoenix Bloom Therapy | Supporting Caregivers, Strengthening Families My passion is supporting caregivers and families navigating the challenges of having a loved one struggling with addiction, serious mental illness (SMI), or chronic illness. I offer individual and family therapy focused on caregiver well-being, healthy boundaries, family safety planning, and strengthening relationships so caregivers feel better equipped to safely and effectively support their loved ones while maintaining their own emotional health. I have a special interest in working with families navigating Kentucky's Casey's Law and other compulsory treatment processes, helping them develop practical strategies, navigate complex systems of care, and foster healthier family dynamics. Heal • Bloom • Rise.
Available

$125/session

Solution oriented
Warm
Authentic
Specialties
Anxiety
Depression
Mood Disorders
+5
Hello, I am a Licensed Clinical Social Worker near Lexington, KY. I have 11 years experience and have worked in a community mental health center and in a counseling center at a small university. I consider it a privilege for clients to share their story with me and entrust me to help them get to where they want to be. I help clients engage in the change process and support them on their journey to becoming more healthy.
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

$90/session

Warm
Solution oriented
Authentic
Specialties
Anxiety
Depression
Family Therapy
+9
Hello! I am a Licensed Clinical Social Worker based in Louisville, Kentucky. I received my Master's Degree from the University of Louisville. I have 6 years of experience treating children, adults, and families with various difficulties and situations. I am passionate about helping individuals and families resolve conflict in their lives, make positive changes, and become the best version of themselves! *** If you are scheduling an intake for a minor, the parent/guardian must be present at the intake appt.
VirtualAvailable

$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

$80/session

Warm
Authentic
Solution oriented
Specialties
ADHD
Anxiety
Depression
+10
Hello! I am a Licensed Clinical Social Worker based in Kentucky. I have worked in the social service/mental health field for over 14 years to include CPS investigations, psychiatric residential, Michelle P Waiver case management, Community Mental Health, Substance Abuse Program (SAP), school based therapy, and hospice grief counseling. I received my Master of Social Work from the Carver School of Social Work at Campbellsville University in 2015 and have been providing therapy services since 2017. I have been trained in Accelerated Resolution Therapy which is an eye movement modality that can help reduce or eliminate negative sensations in as little as one session. I strive to provide therapeutic care where each individual feels safe and secure in each session by creating a judgment-free atmosphere. My goal is to build mutual trust with each other and help you find your path to taking control back of your life and emotions.
VirtualAvailable

$135/session

Warm
Direct
Intelligent
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
Open-minded
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+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.
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
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

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

$100/session

Authentic
Warm
Humorous
Specialties
Coping Skills
Mood Disorders
Trauma and PTSD
+8
Hi there! I’m Vanessa Sewell, a Licensed Professional Clinical Counselor-Supervisor and the owner of Boheme Holistic Clinical Services. I earned my bachelor’s degrees in Psychology and History from Western Kentucky University, and my master’s in Counseling and Human Development from Lindsey Wilson College. I’m currently working on my doctorate in Counselor Education and Supervision at Lindsey Wilson University (and yes, they did change the name!). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, inpatient behavioral health, geriatric services, and school settings for the last 6+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable
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.