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 178 verified therapists in Kentucky who accept cash pay, you can explore therapeutic approaches such as cognitive behavioral therapy, solution-focused therapy, and supportive counseling to address a range of concerns, including anxiety, depression, and ADHD. Each Grow Therapy-verified therapist that has a cash pay option listed below is currently welcoming new clients and has availability soon, offering you a straightforward path to compassionate, accessible care on your terms.

Availability updated: 5/7/2026

$125/session

Authentic
Warm

Specialties

Anxiety
Depression
I am a Licensed Professional Clinical Counselor with a passion for helping individuals and families heal from past experiences, develop healthy communication patterns, establish boundaries, and operate within a safe, loving dynamic. I am a certified trauma-informed care provider. I specialize in anxiety, depression, and trauma disorders. I believe your ability to grow lies within you. I look forward to working with you. Contact me to begin your healing journey today. Immediate openings for new clients.
VirtualAvailable

$115/session

Empowering
Solution oriented

Specialties

Depression
Grief
Life Transitions
+2
Welcome, I am glad you're here. Reaching out for help can be scary and I applaud you taking this first step. My goal with therapy is to provide a space where you feel comfortable being yourself, where you can talk openly, feel heard and begin to work through what has been weighing on you. I see therapy as a collaborative effort to find what works for you to feel stronger, more balanced and ultimately, more connected to what matters most to you in a world that often seems "un-connected". I have both a Bachelors and a Masters in Social Work. I have worked in the field of social work for 20 plus years. In my lifetime I have been a daughter, sister, partner, wife, mother (to both human and fur baby) and friend.
VirtualAvailable

$120/session

Humorous
Solution oriented
Open-minded

Specialties

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

New to Grow

$75/session

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

$100/session

Holistic
Intelligent

Specialties

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

New to Grow

$90/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
Many people come to therapy carrying pain that isn’t visible to others. You might be functioning day to day while feeling overwhelmed, stuck, or unsure why things feel “off.” If you’re navigating the impact of trauma, grief, or complicated relationships, you don’t have to sort through it alone. I’m a licensed clinical social worker with eight years of experience in inpatient and outpatient behavioral health, including my work at a VA medical center. I support adults facing mental health or substance use concerns, stress, trauma, and major life transitions. My hope is that therapy feels like a safe place where you can move at your own pace, feel understood, and build skills that help you feel more regulated and capable.
VirtualAvailable

$100/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Depression
+5
Hello. I am a follower of Jesus Christ, and I'm also 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 five years. At this time, I provide individual therapy to adults dealing with anxiety, depression and trauma among other issues. We work to recognize triggers/barriers to successful living and then learn to effectively reframe these in order to be a better version of yourself.
VirtualAvailable

$100/session

Solution oriented
Authentic
Warm

Specialties

ADHD
Anxiety
Grief
+4
I'm a dedicated therapist with several years of experience serving in Central Kentucky. I've had the privilege of working with adolescents in school settings and individuals in rural areas. My experience has allowed me to help clients navigate a wide range of challenges, including anxiety, depression, relationship issues, ADHD, and grief. I'm committed to providing a safe and supportive space where you can explore your emotions, gain insights, and develop effective coping strategies.
VirtualAvailable

$175/session

Solution oriented
Warm

Specialties

Anxiety
Depression
Women's Issues
+6
Hello, my name is Ebony and I specialize in women's mental health. I have over 14 years in the social work field, working with diverse populations in various settings. I have 6 years providing clinical work to individuals, families and groups. Currently, I help women harness their strengths, build resilience, and embrace their authentic selves! I help women learn healthier thinking processes, work through their traumas, build self-esteem, build skills to improve communication, boundaries, and management of stressors. I believe that all women deserve a safe space to heal and grow. I am here to empower you, help improve your resiliency and mental well-being through improved boundary setting, coping skills, emotional regulation skills, etc. Don't wait, reach out today to start your mental health journey!
VirtualAvailable

$85/session

Solution oriented
Authentic
Intelligent

Specialties

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

$90/session

Warm
Empowering
Humorous

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+10
Hello- I am a Licensed Professional Clinical Counselor Supervisor in KY. After providing Pastoral Counseling to my congregants for 10 years I earned my Master’s in Profession Counseling at Grand Canyon University; I wanted to not just help others spiritually, relationally, and emotionally—- but also wanted to be able to help others with their mental hurts and habits they faced on a daily basis.
VirtualAvailable

New to Grow

$150/session

Specialties

ADHD
Anxiety
Career Counseling
+10
My name is Feryal (pronounced Fur-yal) Katsikas (pronounced Cat-see-kus) M.A. LPCC. I have been practicing mental health counseling for the past 7 years. Prior to working in mental health, I have years of experience in travel and make-up artistry. I've always known that I wanted to help others. I'm fascinated by the human mind and how our experiences shape who we are today. I believe we have the power to choose our authentic selves, regardless of background, and that music, movement, and nutrition contribute to better mental health.
VirtualAvailable

New to Grow

$150/session

Specialties

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

$200/session

Authentic
Direct
Empowering

Specialties

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

New to Grow

$125/session

Specialties

Addiction
Family Conflict
Mood Disorders
+10
Hi, I'm Julie D'Anniballe, founder of D'Anniballe Counseling and Wellness. I'm a licensed mental health counselor with over 18 years of experience. Additionally, I am a supervisor for the Kentucky Board of Licensed Professional Clinical Counselors. At D'Anniballe Counseling and Wellness, I prioritize creating a nurturing environment for healing and personal growth. I provide mental health counseling to adults and teens who are seeking support, clarity, and meaningful change in their lives.
VirtualAvailable

New to Grow

$100/session

Specialties

Anxiety
Couples Counseling
Depression
+10
Hello! I have been in the field since my first graduate degree in 1998. I have vast experience with humans suffering from all sorts of mental health needs and I also have life experiences which translate into a genuine, real understanding and desire to help others. I enjoy partnering to set goals, engage in therapeutic work, and watch the growth and healing occur. I believe that education is extremely valuable and have two other graduate degrees as well. I use my education and experience to help others live healthier, happier, more fulfilling lives.
VirtualAvailable

$100/session

Warm
Direct
Empowering

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

$125/session

Solution oriented

Specialties

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

$75/session

Authentic
Warm
Empowering

Specialties

Anxiety
Crisis Intervention
Depression
+7
Hello! I'm a native Kentuckian with two degrees from the University of Kentucky including a masters in Marriage and Family Therapy. I also have close ties to Oregon where I worked for over 10 years on a crisis mental health team. I provided care and compassion to individuals who were struggling to cope through crises brought about by trauma, depression, loss, psychosis and more. My interventions were typically brief as my goal was to help folks move through their crisis and make plans for follow up care. Now I get to provide ongoing services and do a deep dive into the problems that left alone can lead to a crisis. I enjoy supporting people as they learn and discover better ways to cope and uncover their own strong sense of resilience.
VirtualAvailable

New to Grow

$150/session

Specialties

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

$145/session

Authentic
Warm

Specialties

Anxiety
Life Transitions
Women's Issues
+10
I consider myself the Dolly Parton of mental wellness: all humans are welcome, being clear is kind, and, like Dolly, sometimes we all need a little help navigating life from 9-to-5. I provide therapy in Ohio and Kentucky, and I also offer holistic wellness coaching and integrative psychedelic support to help you explore growth from multiple angles. In our sessions, I tailor the process to fit you—addressing experiences, patterns, or distortions that might leave your cup of ambition dry. With a transparent, solution-focused approach, we’ll work together to create meaningful, lasting change that goes beyond our 50 minutes.
VirtualAvailable

New to Grow

$100/session

Specialties

Addiction
Anxiety
Depression
+9
My name is Carissa. I am a retired Air Force Master Sergeant and now a LCSW clinical therapist. I am married to my best friend d of 35 years and have two children. I graduated from the University of Louisville in 2023 with two masters degrees in social work. I currently am working as an associate director for in home care with families battling addiction and mental health issues.
Available

$100/session

Authentic
Warm
Empowering

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

New to Grow

$90/session

Specialties

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

$100/session

Specialties

Anxiety
Bipolar Disorder
Trauma and PTSD
+10
I’m a therapist who keeps things real and meets people where they’re at. I work with adults dealing with trauma, stress, and life transitions, and my goal is to create a space where you can just be yourself without feeling judged. I use a mix of approaches depending on what actually works for you—including EMDR, Client centered, CBT, DBT, or TF-CBT for trauma and an integrative mental health approach that looks at the whole picture, not just symptoms. That can mean talking through things, building practical coping skills, or exploring how your mind and body are connected. I’m supportive, but also honest and direct when it matters. Therapy with me is a collaborative process—we figure things out together. My goal is to help you make sense of what you’ve been through, feel more grounded, and start moving forward in a way that actually feels meaningful to you.
VirtualAvailable
Frequently asked questions

Why filter by Kentucky rather than a city like Louisville?

When looking for online therapy, you can see anyone that is credentialed in Kentucky. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Kentucky from Bowling Green to Lexington! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Kentucky.

Will my therapist take insurance?

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

How does the Specialty Filter work? Can I find a therapist that focuses on a specific issue?

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need.

Why use Gender, Age, and Identities filters?

Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.

What happens during the first therapy session?

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs. Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center.Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.