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 167 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: 1/19/2026

No reviews yet
No reviews yet

New to Grow

$95/session

Solution oriented
Open-minded

Specialties

Anxiety
Family Therapy
Obsessive-Compulsive (OCD)
+10
Hi! I'm Hannah, an LCSW who has been working in community mental health for over five years and chose the mental health field after engaging in a positive therapeutic experience myself to address anxiety. I am dedicated to providing an accepting environment in which clients can explore and analyze their feelings, experiences, and behaviors in order to achieve the goals they set for themselves. I pride myself on my ability to connect with others in a wide variety of interests and help others feel more comfortable in not only opening up in sessions but also more comfortable with themselves.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 51 ratings
Rated 5.0 stars out of 51 ratings

$100/session

Warm
Solution oriented

Specialties

Addiction
Anxiety
Perinatal Mental Health
+2
My name is Lynnsey Vandeventer, and I am a Licensed Professional Clinical Counselor Supervisor in the state of Kentucky, a Nationally Certified Counselor, and a Certified Addiction-Informed Mental Health Professional. Since 2019, I have worked primarily in the field of substance use, where I’ve had the privilege of supporting individuals and families through some of their most challenging and transformative moments. I am deeply passionate about helping others grow into their fullest potential, and I strive to create a therapeutic environment that is welcoming, compassionate, and grounded in evidence-based practice. I bring a calm, approachable presence to my work, while also offering clear clinical insight and guidance rooted in my years of experience. In addition to my clinical practice, I am currently pursuing my doctoral degree in Counselor Education and Supervision, which continues to expand my knowledge and strengthen my commitment to the counseling profession. My goal is to walk alongside clients with authenticity and respect as they move toward healing, growth, and meaningful change.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 566 ratings
Rated 5.0 stars out of 566 ratings

$100/session

Warm
Open-minded
Authentic

Specialties

Anxiety
Coping Skills
Depression
+5
Hello, I'm a Licensed Clinical Social Worker based in Illinois. I have worked in the field of Social Work for 25 years at the Bachelor's level, including case management for at-risk youth, CPS investigations and medical social work. I received my Master's of Science in Social Work from the University of Louisville and have been practicing four years. I assist adults dealing with anxiety, depression and trauma with recognizing triggers/barriers to successful living and then learning to effectively reframe in order to be a better version of themselves.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 54 ratings
Rated 5.0 stars out of 54 ratings

Often rebooked

$75/session

Authentic
Intelligent

Specialties

Anxiety
Depression
Trauma and PTSD
+10
Hi I'm Abby! I'm a mental health professional with five years of experience working in a variety of settings, including community mental health and integrated primary care. My goal is to bring a compassionate, strengths-based approach to each therapy session. I utilize evidence-based practices, including Trauma-Focused Cognitive Behavioral Therapy (TF-CBT), Motivational Interviewing, and Cognitive Behavioral Therapy (CBT) to support clients navigating trauma, life transitions, anxiety, and other emotional challenges. I aim to create a safe space where clients feel empowered to explore their experiences and move toward meaningful change.
VirtualAvailable
View profile
Book session
Rated 4.7 stars out of 547 ratings
Rated 4.7 stars out of 547 ratings

$175/session

Specialties

Couples Counseling
Depression
Substance Misuse
+10
Hello, I’m Dr. Warrick Stewart. I am a Board-Certified Psychotherapist, licensed to practice in Georgia, South Carolina, Kentucky, and North Carolina. At the heart of my work is a deep compassion for people who are navigating life’s hardest seasons. I specialize in helping individuals and couples facing trauma, emotional pain, self-doubt, and the struggles that come with anger, substance use, and depression. My role is to walk alongside you, offering evidence-based approaches such as reality-based and solution-focused therapy, while always tailoring our work to meet your unique needs. In my practice, clients find a warm, nonjudgmental, and supportive environment where they are safe to be themselves. Here, you can speak your truth, confront what has been holding you back, and begin the process of healing. I am eclectic in my methods—drawing from a variety of therapeutic techniques—because I believe every person deserves an approach as unique as their story. I strive to be thorough but kind, authentic yet gentle, and always deeply respectful of the courage it takes to begin therapy. My goal is to help you process your experiences, rediscover your strengths, and move forward toward a life filled with meaning and possibility. Healing takes willingness and effort, but you don’t have to walk the journey alone. Together, we can create a path toward growth, resilience, and lasting change. Let’s get started today.
VirtualAvailable
View profile
Book session
No reviews yet
No reviews yet

New to Grow

$120/session

Specialties

Anxiety
Couples Counseling
Self Esteem
+6
Throughout my life I have had many mentors and supports who have helped me grow as a person and as a therapist. The enjoyment of being part of helping people find a life that is fulfilling motivates me even after almost 30 years to do this work. I became a Licensed Marriage and Family Therapist because it was an approach that was strength based and free from the blame that in some way we are broken. I have learned that many things impact the choices and decisions we make and instead of focusing on what is wrong the better thing to do is find out what an individual or couple's strengths are and take those, build upon them so that the person/ couple can heal old wounds and find a better way of living. That does not mean ignoring problems, it means healing so that you can better solve your problems.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 518 ratings
Rated 5.0 stars out of 518 ratings

$125/session

Warm
Open-minded
Empowering

Specialties

Anxiety
Depression
Women's Issues
+10
Hi there! I’m Tabitha Simpson, a Licensed Clinical Social Worker who believes therapy should feel like a safe and supportive conversation. I’ve worked in a variety of mental health settings and enjoy using an integrated care approach that looks at the whole person—mind, body, and environment. I’m especially passionate about maternal mental health, particularly in rural areas where support can be hard to find. My goal is to help women navigate the ups and downs of pregnancy, postpartum life, and all the transitions that come with motherhood. I’ve had the privilege of working with clients of all ages, from providing play therapy for children to supporting adults through life’s challenges. My approach is warm, down-to-earth, and collaborative—I want you to feel comfortable, understood, and empowered every step of the way.
VirtualAvailable
View profile
Book session
Rated 4.9 stars out of 5117 ratings
Rated 4.9 stars out of 5117 ratings

$90/session

Empowering
Authentic
Intelligent

Specialties

Obsessive-Compulsive (OCD)
Trauma and PTSD
Women's Issues
+1
Hello! My name is Amaris and I'm happy you're here :) Do you ever feel confused by your behavior? Do you act in ways that are incongruent with who you want to be? Do you struggle with self-doubt and wish you could have more confidence? There are always reasons why people do the things they do. My approach is to help alleviate shame and unnecessary guilt by helping clients understand the “why” behind their emotions and behaviors. I use a trauma-informed approach with all my clients and aim to create an emotionally safe space to explore vulnerable thoughts and feelings. Sometimes personal growth means accepting that you're either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a great place to start the healing process.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 519 ratings
Rated 5.0 stars out of 519 ratings

$85/session

Solution oriented
Authentic

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
No reviews yet
No reviews yet

New to Grow

$125/session

Specialties

Anxiety
Bipolar Disorder
Depression
+2
As a licensed therapist in Missouri, Kentucky, and New Jersey, I bring 25 years of compassionate clinical experience supporting individuals through complex life transitions and emotional challenges. My approach centers on creating a supportive, non-judgmental space where clients can explore their inner experiences and develop meaningful strategies for personal growth. I specialize in addressing a wide range of mental health concerns, including depression, anxiety, self-esteem challenges, LGBTQ+,and life transitions. My therapeutic work focuses on helping individuals navigate complex emotional landscapes, from workplace stress to relationship dynamics, with particular expertise in supporting young adults, caregivers, and those experiencing significant personal transformations. My practice is deeply committed to understanding each client's unique journey. I offer a progressive, affirming approach that honors individual experiences and empowers clients to develop stronger self-understanding, communication skills, and emotional resilience. Whether you're struggling with social anxiety, processing major life changes, or seeking deeper self-connection, I'm dedicated to walking alongside you with empathy and professional guidance. Good Karma to all....
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 567 ratings
Rated 5.0 stars out of 567 ratings

$150/session

Open-minded
Authentic
Empowering

Specialties

Anxiety
Depression
Anger Management
+1
As a seasoned therapist, my experience includes a broad spectrum of mental health issues. I have a network of physicians, mental health providers, and spiritual advisors whose counsel I seek to help provide the best care for my clients. It is my goal to lead clients to ask the right questions and help them find answers that will result in a positive, forward movement in the therapeutic process. My primary focus is Cognitive Behavioral Therapy, but I use other modalities when necessary to help clients achieve the change they are seeking. My practice includes marriage and family counseling, depression, anxiety, bipolar disorder, aging concerns, workplace challenges, mediation, and faith-based counseling upon request. I welcome clients from all backgrounds and issues, helping them develop coping skills and move forward positively. I collaborate with a network of professionals to provide the best care. If I or the client feels I am not the right fit, I will help find someone better suited, without it affecting my self-esteem.
VirtualAvailable
View profile
Book session
Rated 4.9 stars out of 5142 ratings
Rated 4.9 stars out of 5142 ratings

$120/session

Authentic
Open-minded
Empowering

Specialties

Addiction
Anxiety
Depression
+17
Life isn’t always sunshine and rainbows; it can be filled with challenges, difficulties, and hardships. I believe that life is all about perspective and the way we react to problems. Our trials and tribulations are opportunities for us to grow into stronger and wiser individuals. When challenges arise, most people ask, "Why?" I encourage my clients to change their mentality by asking, "How?"—how can I use this to grow and learn, make myself smarter and wiser?" I am a firm believer in empowering clients with the tools and knowledge needed to live a more fulfilling and productive life. With 8 years of sobriety and personal experience battling my own challenges, I know how helpful therapy can be in helping a person rebuild their life and become the person they want to be.
VirtualAvailable
View profile
Book session
Rated 4.9 stars out of 5147 ratings
Rated 4.9 stars out of 5147 ratings

$50/session

Solution oriented
Authentic
Empowering

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
Rated 5.0 stars out of 51 ratings
Rated 5.0 stars out of 51 ratings

$90/session

Specialties

Addiction
Anxiety
Depression
+10
Life isn’t meant to be just about survival—you deserve more than just getting by. I’m here to help you discover a brighter, more fulfilling future where you can truly thrive. My name is Lauren, and I’m a Licensed Clinical Social Worker (LCSW) based in Lexington, Kentucky. With over 11 years of experience in social work and 4 years of experience as a mental health clinician, I’ve worked with individuals facing some of life’s toughest challenges. Using approaches like CBT, DBT, Solution-Focused Therapy, Psychodynamic Therapy, Acceptance and Commitment Therapy, and Mindfulness, I tailor therapy to meet your unique needs and goals. My number one priority is creating a safe, compassionate space where you feel seen, heard, and supported. I know how overwhelming life’s challenges can feel, and I believe that no one should have to face them alone. Therapy is a space where we can face the hard things together, build trust, and work toward healing. Safety and understanding are the foundation of our work because without them, true growth isn’t possible.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 51 ratings
Rated 5.0 stars out of 51 ratings

$135/session

Authentic
Empowering

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
Rated 5.0 stars out of 548 ratings
Rated 5.0 stars out of 548 ratings

$100/session

Warm
Open-minded
Solution oriented

Specialties

Anxiety
Life Transitions
Trauma and PTSD
+2
I’m a mental health professional dedicated to helping individuals navigate life's challenges and enhance their well-being. Through approaches like Cognitive Behavioral Therapy and strength-based strategies, I support clients in identifying their strengths, overcoming obstacles, and achieving their personal goals. My goal is to create a safe, collaborative space where you can explore your thoughts and feelings, fostering growth and resilience along the way.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 575 ratings
Rated 5.0 stars out of 575 ratings

$100/session

Authentic
Open-minded
Warm

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+5
Hi I'm Leo I'm a non binary transgender man. I have my master’s degree in social work from the University of Louisville and I'm a Licensed Clinical Social worker in Indiana and Kentucky. My professional background has been working with the University of Louisville as a therapist at the Trager Institute Optimal Aging Clinic. While working at University of Louisville Trager Institute, I gained experience in treatment areas such as conversion disorders/PNES, PTSD/Trauma, anxiety, depression, grief, transgender issues, gender dysphoria and LGBTQ+ issues.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 520 ratings
Rated 5.0 stars out of 520 ratings

$125/session

Specialties

Grief
Serious Mental Illness
Spirituality
+9
I am a Licensed Marriage and Family Therapist, in Kentucky. I have over 13 years of experience in healthcare and mental health. I work with individuals, families, and couples across the life span. I typically see clients ages 14 and above. I have had success with short term (3-5 sessions) and long term (weekly or bi-weekly) therapy sessions. I provide couples counseling services as a Prepare and Enrich provider, and a Gottman-informed therapist. I also offer Premarital Counseling services. I offer assessments and will work with you to advocate for your individual needs with your medical providers, workplace or school.
VirtualAvailable
View profile
Book session
No reviews yet
No reviews yet

New to Grow

$90/session

Specialties

Addiction
Anxiety
Mood Disorders
+8
Hello, I’m Joy Messer, a Licensed Professional Clinical Counselor dedicated to helping children, teens, and adults navigate life’s challenges with compassion and practical support. I use evidence-based approaches like Cognitive Behavioral Therapy (CBT), Motivational Interviewing (MI), and Play Therapy to help clients build insight, resilience, and healthier coping skills. My goal is to create a safe and welcoming space where clients can explore their emotions, heal from past experiences, and move toward personal growth and emotional well-being.
VirtualAvailable
View profile
Book session
Rated 4.8 stars out of 56 ratings
Rated 4.8 stars out of 56 ratings

$100/session

Challenging
Empowering

Specialties

Anxiety
Depression
Grief
+10
I’m Charity Smith, a Licensed Clinical Social Worker with over 12 years of experience supporting individuals and families across outpatient, medical, military, and telehealth settings. I provide compassionate, evidence‑based care tailored to each client’s needs, drawing on approaches like CBT and DBT to help manage stress, navigate life transitions, and build resilience. My goal is to create a safe, supportive space where you feel heard and empowered to make meaningful change.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 56 ratings
Rated 5.0 stars out of 56 ratings

$120/session

Warm
Authentic

Specialties

First Responders/Healthcare Workers
Spirituality
Trauma and PTSD
+10
My journey into counseling was shaped by years of serving others on the frontlines and witnessing the physical, emotional, and spiritual impact of trauma firsthand. I bring that same sense of compassion, discipline, and calm under pressure into the therapy space. I believe that healing involves the whole person, including the mind, body, and spirit. My approach blends evidence-based clinical methods with Christian principles when desired, helping clients not only manage symptoms but also rediscover meaning, identity, and purpose. Whether we are unpacking trauma, building coping tools, or walking through a season of growth, my goal is to create a safe space where you can heal honestly and at your own pace.
VirtualAvailable
View profile
Book session
Rated 4.9 stars out of 536 ratings
Rated 4.9 stars out of 536 ratings

$90/session

Open-minded
Warm

Specialties

Anxiety
Child or Adolescent
Family Therapy
+10
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
View profile
Book session
Rated 4.8 stars out of 517 ratings
Rated 4.8 stars out of 517 ratings

$150/session

Warm
Humorous

Specialties

Anxiety
Depression
Women's Issues
+10
Hi, I am honored you are taking time out of your busy day to consider me as your therapist. I am a Licensed Clinical Social Worker in Pennsylvania and Kentucky. I received my Masters in Social Work from Marywood University and have been practicing for 20+ years. I assist individuals like you — thoughtful, resilient, and ready to face the hard things, even when they feel confusing or uncertain - through empathy, compassion, and challenge.
VirtualAvailable
View profile
Book session
No reviews yet
No reviews yet

New to Grow

$150/session

Specialties

Anxiety
Chronic Illness
Grief
+3
Hi, I'm Jess! My background over the years is primarily in grief, anxiety, life transitions, and emergency psychiatry. I have been able to assist clients in some of the darkest times of their lives and it's an honor to sit in this space with you. Grief touches us all in so many different forms and when the unexpected happens, we don't always act in line with who we are or who we want to be. Together, we will focus on being rooted in the present to develop the tools you need to make it to the other side. Life transitions come with so many ranges of emotions and what we can do is unpack your emotions, learn how to manage them, and set goals for the future you want. My approach is welcoming, direct, and catered to your specific needs.
VirtualAvailable
View profile
Book session
Rated 5.0 stars out of 57 ratings
Rated 5.0 stars out of 57 ratings

$90/session

Warm
Solution oriented

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
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 to expect during your first 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.