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 206 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: 10/23/2026

$90/session

Specialties
Grief
LGBTQ
Peer Relationships
Welcome! I am a dedicated mental health professional committed to supporting people aged 13+ on their journey toward well-being. I provide a compassionate and understanding space where clients can explore challenges, develop valuable coping skills, and build confidence to thrive. My goal is to empower each person to cultivate lasting emotional health and resilience. I enjoy using humor and hobbies to build rapport.
VirtualAvailable

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

$75/session

Authentic
Empowering
Intelligent
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

$120/session

Specialties
Anxiety
Childhood / Intergenerational Trauma
Depression
+10
As a mental health therapist with more than 25 years of experience, I am dedicated to creating a safe and welcoming space for my clients. I combine empathy with evidence-based techniques to help individuals navigate life's challenges and foster resilience. I'm passionate about empowering people to find the tools they need to thrive. I’m known as a warm and approachable practitioner who truly loves what I do. I use active listening to understand each client’s unique story and make them feel genuinely heard. My goal is to make everyone feel comfortable and supported as we work together on their path to healing.
Available

New to Grow

$100/session

Specialties
Anxiety
Depression
Obsessive-Compulsive (OCD)
+10
My name is Molly Ann Halpin Techau and I work as a Licensed Professional Clinical Counselor and Licensed Marriage and Family Therapist. I have a passion for being present to my clients and offering encouragement to work toward their goals, including use of practical and reflective tools. Clients and I collaborate to navigate various challenges while continuing to learn skills that can be continuously applied beyond the counselor room. I incorporate Client Centered approaches, Cognitive-Behavioral Therapy, and Reality Therapies to join with my clients as they consider and reflect on experiences and needs. I look forward to working with you and creating an individualized plan to work toward your gioals.
Available

New to Grow

$90/session

Specialties
Anxiety
Chronic Illness / Medical Issues
Trauma and PTSD
+10
I’m a Licensed Clinical Social Worker who is passionate about working with women and children, providing a compassionate and supportive space to navigate emotional challenges, build coping skills, and foster growth. I have over 20 years of experience helping children, teens, adults, older adults, and families impacted by many forms of life stressors. I believe every individual brings unique strengths, experiences, and hopes to therapy, and that growth looks different for everyone, from finding small moments of joy to navigating life’s most difficult losses. My goal is to help you reconnect with yourself, recognize your potential, and move forward with greater clarity and compassion. Even in challenging seasons, I believe there is always space for hope, healing, and possibility. I don’t believe in quick fixes. Our work is built on trust, understanding, & collaboration. Together, we’ll explore your experiences, what they’ve meant to you, & how they continue to shape your life, at a pace you're comfortable with.
Available

New to Grow

$100/session

Specialties
Addiction / Substance Use
Anxiety
Depression
+10
Welcome: I'm a Licensed Professional Clinical Counselor (LPCC) dedicated to helping individuals navigate life's challenges with compassion, understanding, and purpose. My approach combines evidence-based therapeutic practices with a faith-informed perspectives, when desired, to support emotional healing, personal growth, and lasting change. I believe every person has value, every story deserves to be heard, and healing is possible even in life's most difficult seasons. My goal is to provide a safe, supportive, and nonjudgemental space where you can strengthen your resilience, discover your inner strengths, and move forward with hope and confidence.
Available

$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

$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

Often rebooked

$90/session

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

$125/session

Authentic
Open-minded
Warm
Specialties
Anxiety
LGBTQ
Life Transitions
+3
I’m a licensed professional clinical counselor and counselor educator with more than a decade of experience in mental health, supervision, and counselor training. I work primarily with adults navigating stress, grief, identity, relationships, life transitions, burnout, and the effects of difficult past experiences. My approach is relational, collaborative, and grounded in the belief that counseling should make room for the complexity of real life. I tend to be warm, thoughtful, straightforward, and curious. I’m not the kind of therapist who simply sits back and nods—I ask questions, offer perspective, and work alongside you to better understand patterns, possibilities, and what might actually be helpful. My practice is trauma-informed, culturally responsive, and affirming of LGBTQ+ and other diverse identities and experiences. I especially enjoy working with people who are thoughtful and self-aware but may feel stuck, overwhelmed, disconnected, or unsure what comes next. You do not need to have everything figured out before coming to counseling. We can start with where you are.
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

$120/session

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

$100/session

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

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

$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
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

$100/session

Solution oriented
Direct
Authentic
Specialties
Anxiety
Anger Management
Coping Skills
+8
The journey of life can bumpy, confusing, frustrating, and unpredictable. Hello, I'm Dr. Suzann O'Koon, a licensed psychologist with 30 years of experience. I'm a mother and grandmother, who, at mid-life, returned to graduate school to pursue my the next step on my life journey. I had been an elementary school teacher, a community volunteer, and then a stay-at-home mom. I am sharing this with you because transitions and change can be difficult at times, and I've been there: done that!.
VirtualAvailable

$125/session

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

$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

$200/session

Warm
Solution oriented
Authentic
Specialties
Anxiety
Couples Counseling
Life Transitions
+10
Hello!! And, Welcome! Looking forward to meeting you!! I am a Licensed Marriage and Family Therapist. I am licensed in Kentucky, Indiana, Kansas, Maine, Utah, and Nevada. I received my Masters from Western Kentucky University, and have been practicing for 30 years. I help individuals, and couples to overcome "old programming", develop new and healing ways to see themselves and life, and utilize places of self-empowerment. Helping to increase one's relationship with oneself helps one to have greater relationships with others, and all other parts of life.
VirtualAvailable

$110/session

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

$100/session

Authentic
Warm
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

$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

$120/session

Authentic
Direct
Solution oriented
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
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.