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

Availability updated: 9/1/2026

$90/session

Empowering
Solution oriented
Authentic
Specialties
ADHD
Mood Disorders
Trauma and PTSD
+10
Hi, I'm Crystal! I'm a Licensed Professional Clinical Counselor, and I have a passion for working with adults 18 and over in developing skills to effectively manage depression, anxiety, stress, ADHD, anger issues, trauma, life transitions, relationship issues, substance abuse, and grief & loss. I understand from personal experience many of the challenges that come with these issues and strongly believe that holistic well-being involves balance of mind, body, & spirit. My clinical approach utilizes a strengths-based foundation and incorporates a variety of therapeutic techniques to help clients understand deeper their own beliefs, thoughts, values, strengths, challenges, self-worth, and goals – especially those not yet discovered! My goal is to walk with you along your journey and creatively help you learn how to invest in your own mental well-being and practice new skills to enter into a more hopeful, self-compassionate, and empowered life.
VirtualAvailable
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New to Grow

$75/session

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.
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New to Grow

$100/session

Specialties
Addiction / Substance Use
Anxiety
Depression
+9
My name is Rhea Caudill. I am the owner of Avenues of Grace Christian Therapy Services. I have been practicing as a Marriage and Family Therapist for 17 years - being fully licensed (independent) for the last 4 1/2 years. I work with individuals, couples, children, and families as a whole. I prefer to use Cognitive Behavioral Therapy; however, I am open to other modalities too if CBT doesn't fit my client.
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$45/session

Authentic
Warm
Empowering
Specialties
Anxiety
Grief
Trauma and PTSD
+3
Do you ever feel stuck? Do the negative beliefs you have ever hold you back—make you feel like you can’t move forward? Not sure what to do next? Sometimes life can throw you a curveball and when it does, I’m here to help. My name is Carol Poston. I’ve been a Marriage and Family Therapist for over 11 years. I am an experienced EMDR therapist and have witnessed the power of that modality to transform the life of my clients. I have extensive experience with grief and loss with 8 years of experience as a hospice bereavement counselor and chaplain. I understand the importance of religious beliefs on personal development and growth. My therapeutic style is shaped by my hospice experience. Every moment is critical. It’s not simply the case of making the most of each moment. It is indeed that this moment, this day, this session, is the most important. Being present and bearing witness to my client’s pain in this moment is what matters. In our sessions we manage the urgent but focus on what is most important. You are the expert in your own life--I am the professional guide here to help navigate your way through this difficult time. I am excited that you are considering me to be your guide to help you chart a new course for your life.
VirtualAvailable
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New to Grow

$125/session

Specialties
Anxiety
Life Transitions
Trauma and PTSD
+4
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.
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$95/session

Empowering
Authentic
Warm
Specialties
Anxiety
Obsessive-Compulsive (OCD)
Women's Issues
+1
Hello! My name is Amaris, and I’m glad you’re here :) Do you ever feel like you’re carrying more than your share — emotionally, mentally, or relationally? Do you find yourself doubting your needs, overthinking decisions, or feeling responsible for everyone else’s wellbeing? Many women move through the world with expectations and pressures that shape how they show up. My work focuses on helping women understand the “why” behind their emotions and behaviors so they can move through life with more clarity, confidence, and self‑trust. Sometimes personal growth means recognizing that you’re either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a powerful place to begin that process.
VirtualAvailable
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$120/session

Empowering
Authentic
Intelligent
Specialties
Anxiety
Depression
Life Transitions
+10
Welcome to my practice. As a licensed therapist, I help adults navigate life’s transitions, process past experiences, and reconnect with their authentic selves. With over 20 years of clinical experience, my work focuses on women’s health, trauma-informed care, and relationship dynamics—supporting those who feel stuck, overwhelmed, or disconnected. I also serve as a lecturer for the University of Kentucky School of Social Work. My approach is compassionate, collaborative, and grounded in evidence-based practices. I view therapy as a space not only for healing, but for meaningful growth, stronger relationships, and a renewed sense of self. Clients often describe me as calm, supportive, and deeply attuned. I look forward to getting to know you.
VirtualAvailable
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$65/session

Authentic
Solution oriented
Warm
Specialties
Anger Management
Anxiety
Depression
+5
I have worked in Counseling and Human Services for 20yrs. I have been a Licensed Professional Counselor in Lexington Kentucky since 2015. My goal is to provide a non-judgmental environment for clients to openly share their experiences. Cognitive Behavioral Therapy is the foundation of my treatment approach as I assist clients with identifying negative thinking patterns that support anxiety and depression.
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$120/session

Authentic
Empowering
Warm
Specialties
Addiction
LGBTQ
Trauma and PTSD
+10
Hello! Are you having trouble finding balance in life? Do you find it difficult to make your actions and intentions align? Are you struggling to connect to people in meaningful ways? I help people find more calm, peace and headspace in life. I will always meet you right where you are. As our starting point, we will identify what is keeping you from being the best version of yourself. I am passionate about integrating mindfulness, yoga and education about our nervous system to develop a stronger relationship with yourself. Whether you’re dealing with overwhelm, relationship issues, a traumatic past, increased substance use, or cycles of anxiety and depression, I’m here to help. I offer a non-judgmental space, using evidence-based treatments where you may heal and grow.
VirtualAvailable
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$150/session

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

$120/session

Specialties
ADHD
Anxiety
Depression
+10
I am a Licensed Clinical Social Worker with over four years of experience supporting children, adolescents, and adults through life’s challenges. I believe therapy is a collaborative process built on trust, understanding, and feeling truly heard. I enjoy creating a safe and welcoming space where clients can explore their thoughts, emotions, and experiences while working toward meaningful goals. My approach is warm, supportive, and personalized to each client’s unique needs. I have experience helping clients navigate anxiety, depression, grief and loss, anger management, emotional regulation, self-esteem, and major life transitions. Building genuine connections and understanding each person’s story is one of the most important parts of my work. Outside of therapy, I enjoy reading, traveling, and continuing to learn and grow both personally and professionally. I bring curiosity, compassion, and a commitment to helping clients recognize their strengths and develop skills to create positive change.
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$100/session

Authentic
Warm
Empowering
Specialties
ADHD
Depression
Life Transitions
+3
I am a therapist who provides a warm and steady space for clients navigating anxiety, depression, OCD, substance use, parenting stress, and major life transitions. I help people make sense of what they’re going through, feel more grounded and in control of their emotions, and move toward a life that feels lighter, clearer, and more hopeful. My approach is relational and practical, drawing on DBT, CBT, and mindfulness based strategies to support meaningful and sustainable change. I began my career in medical social work before transitioning into full-time therapy specializing in neurodivergence, emotional regulation, and life transitions. I earned my LCSW while working at UK Healthcare, and spent ten years working with a wide range of patients. Since August 2025, I have been in private practice, where I’m able to offer intentional, client centered care with a healthier work life balance. I earned my Doctor of Social Work degree from the University of Kentucky in 2026.
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$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
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$125/session

Authentic
Warm
Specialties
ADHD
Anger Management
Anxiety
+10
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
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$90/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Depression
Trauma and PTSD
+8
Hello! I'm a Licensed Clinical Social Worker (LCSW) based in the state of Kentucky. I earned a Master's in Social Work and I have been practicing for 14 years. I help adolescences and adults find ways to heal from their trauma, help them become more self aware, and to stop negative thinking, so they can become the best versions of themselves.
VirtualAvailable
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$80/session

Warm
Empowering
Authentic
Specialties
Anxiety
Coping Skills
Depression
I am a Licensed Clinical Social Worker with 15 years of experience providing therapy in Kentucky. I work with children, teens, and adults to process trauma, strengthen communication and emotional regulation, and develop healthy coping skills for managing stress. Whether you’re healing from difficult experiences, working toward greater self-acceptance, or simply need a supportive space to process, I’m honored to walk alongside you. I believe therapy is a collaborative process. Together, we’ll clarify your goals, work through challenges, develop practical skills, and help you move forward with greater self-confidence.
VirtualAvailable
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$135/session

Warm
Direct
Empowering
Specialties
Anxiety
Trauma and PTSD
Women's Issues
+3
Hey, I'm Melanie. I 've been practicing since 1998 and believe that a strong therapeutic relationship is one of the most important factors for successful therapy. My style is warm, genuine, and down to earth. I strive to create a space where clients feel comfortable being themselves, knowing that they'll be treated with respect and without judgement. While I provide lots of support and encouragement, I also am willing to ask difficult questions and offer honest feedback when it's helpful.
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$100/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Life Transitions
+5
Sometimes it feels like the actual apocalypse is just around the corner. We are bombarded with terrible headline after terrible headline. Inflation is making it harder to pay the bills, let alone have fun, or reach our dreams. With so much going on in the world, it’s no wonder that there are greater rates of anxiety and depression! In the midst of it all, you might be trying to figure out who you are, what you want from life, how to have that honest conversation with your friend, setting boundaries with a parent, whether to switch jobs, learning to be more comfortable in your skin, etc. It’s a lot to manage. I can help. I am a licensed psychologist and consider myself a generalist with a wide variety of clinical interests including issues related to family of origin, self esteem, identity development, issues related to oppression and marginalized identities, depression, anxiety, stress, and interpersonal relationships.
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$90/session

Warm
Open-minded
Authentic
Specialties
Anger Management
Anxiety
Depression
+1
I am a Licensed Clinical Social Worker who is deeply committed to helping individuals feel understood, supported, and empowered in their healing journey. I work with adolescents and adults experiencing challenges related to trauma, anxiety, and depression, providing a safe and compassionate space to explore their experiences and build meaningful change. My approach is rooted in empathy and genuine connection. I believe that each person has the capacity for growth and healing, even when life feels overwhelming or painful. Through evidence-based approaches such as EMDR, CBT, and DBT, I help clients process difficult experiences, develop effective coping strategies, and gain a stronger sense of self. My goal is to support clients in moving beyond survival mode and toward a life that feels more balanced, fulfilling, and aligned with who they are. I strive to help individuals build self-worth, strengthen relationships, and feel more confident in their ability to navigate life’s challenges while embracing their authentic selves.
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Often rebooked

$100/session

Authentic
Warm
Empowering
Specialties
Fertility & Reproduction Issues
Perinatal Mental Health
Trauma and PTSD
+9
You made it here so you are one step closer to getting the help you deserve. Congratulations! I am a LCSW based out of Southern, Kentucky but originally from Middle Tennessee. I made my way to the beloved Commonwealth of Kentucky to complete my undergraduate degree, Applied Human Sciences with a focus on family and child studies, at Western Kentucky University (WKU). Go Tops! I liked WKU enough that I stuck around for another two years where I completed my Masters in Social Work. Unfortunately I was not granted a wand with my degree to make everyone's life magically better but I was granted the opportunity to help every client I serve. As your therapist I promise to respect, support, and collaborate with you to establish the best way to navigate through the trials and tribulations of life.
VirtualAvailable
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$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
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$135/session

Challenging
Empowering
Specialties
Anxiety
Depression
Mood Disorders
+10
I’m Royce L. Jones, MS, LPCC, MBA — a licensed professional counselor associate, Navy veteran, and mental performance consultant dedicated to helping individuals grow with intention. I specialize in working with student-athletes, high-performing professionals, and men navigating identity, leadership, and life transitions. My approach blends evidence-based practices like EMDR, mindfulness, and performance psychology with culturally responsive care to create a space that is honest, practical, and growth-focused. My goal is simple: to help you build awareness, strengthen resilience, and become the best version of yourself — on and off the field.
VirtualAvailable
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$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.
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$130/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Grief
Self Esteem
+9
Madison is a seasoned therapist with over 12 years of experience dedicated to empowering women and mothers through their mental health journeys. Madison creates a safe and supportive environment where her clients can explore their feelings and build resilience. Using Cognitive Behavioral Therapy (CBT) as a foundational approach, Madison focuses on helping clients challenge negative thought patterns and develop healthier coping strategies. She is also Health at Every Size® (HAES) trained, promoting a holistic understanding of health that celebrates body diversity and encourages self-acceptance. Madison’s compassionate and client-centered approach has made her a trusted ally for many women navigating the complexities of motherhood, self-image, and mental health. She believes in the power of connection and is committed to helping her clients find their strength and voice in their healing journeys.
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$90/session

Authentic
Direct
Solution oriented
Specialties
Anxiety
Coping Skills
Depression
+10
Hi, I'm Paul, a Licensed Clinical Social Worker who works with adults experiencing anxiety, depression, addiction, trauma, and life transitions. I attended the University of Cincinnati for undergraduate and Northern Kentucky for my Master's degree. I have worked in the mental health field for over twenty years and direct therapy for about twelve years. I use several types of modalities depending on the issue, including Motivational Interviewing, CBT, and Solution-Focused Therapy. I am a strong believer in general health and wellness and look forward to working with you to become the best version of yourself. Please feel free to contact me if you have any questions or need an appointment outside my available hours.
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Frequently asked questions

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

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

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

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

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