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 166 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: 1/2/2026

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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
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$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
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Frequently rebooked

$75/session

Specialties

ADHD
Anxiety
Depression
+10
Hello, I am Jonathan Edwards, a Licensed Professional Clinical Counselor (LPCC). It is my joy to help people of all ages and backgrounds navigate mental health issues. I have experience treating a variety of disorders related to anxiety, depression, trauma, mood, and negative behaviors. Utilizing various treatment strategies from proven counseling techniques such as Cognitive Behavioral Therapy, Dialectical Behavior Therapy, and Solution-Focused Brief Therapy, I find an approach that works best for each client. I believe that a person’s sense of self develops from their experiences interacting socially and their ability to meet personal goals. I hope to guide my clients in identifying sources of negative feelings, developing better coping skills, and forming meaningful connections. Helping individuals create and achieve their goals empowers them to live more meaningfully.
VirtualAvailable
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$100/session

Warm
Open-minded
Intelligent

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
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Frequently rebooked

$85/session

Humorous
Authentic
Warm

Specialties

Mood Disorders
Recent Hospitalization
Trauma and PTSD
+7
Hi! My name is Vanessa Sewell and I am a Licensed Professional Clinical Counselor. I received my Bachelor's Degrees in Psychology and History from Western Kentucky University and my Master's Degree in Counseling and Human Development from Lindsey Wilson College. I am currently a doctoral student in Lindsey Wilson University's Counselor Education and Supervision program (and yes, they changed their name). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, and inpatient behavioral health settings for the last 5+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable
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$120/session

Authentic
Warm
Empowering

Specialties

Addiction
Anxiety
Trauma and PTSD
+8
I am a licensed clinical social worker in Kentucky. My passion is creating a safe and sacred space for my clients to do their work by processing and talking through the issues that they prioritize. I have experience with clients who are struggling with anxiety, depression, abuse, stress, grief and loss, and low self-esteem. I specialize in working with adults who are interested in maximizing their lives and their potential. I value clients and pride myself on treating them all with the utmost care in a judgment-free space. I have worked with diverse populations of people and I am trained in cultural diversity. I utilize proven theories like cognitive behavioral therapy to help clients to analyze their thought processes and core beliefs to determine how those thoughts and beliefs contribute to their outcomes. My ultimate goal is to walk with my clients and help them focus on their priorities and find solutions that will empower them to soar in every area of their lives.
VirtualAvailable
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$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
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Frequently rebooked

$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
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$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
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$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
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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
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Frequently rebooked

$125/session

Empowering
Intelligent
Authentic

Specialties

Anxiety
Depression
Grief
+7
With a passion for holistic well-being and two decades of experience in the field of mental health, I am dedicated to helping you navigate life's challenges. My therapeutic approach integrates evidence-based practices with a deep understanding of the mind-body connection. I use a range of therapeutic modalities from Cognitive Behavioral Therapy to EMDR and other body centered therapies. Sessions will be tailored to meet the unique needs of each individual.
VirtualAvailable
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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
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$90/session

Open-minded
Warm

Specialties

ADHD
Anxiety
Depression
+7
Hi! I'm a Licensed Clinical Social Worker (LCSW) based in Kentucky. I received my Master's in social work degree from Northern Kentucky University and have been practicing for 5 years. I have a heart to help others manage some of life's most difficult circumstance and stressors by empowering them to gain self-awareness and obtain coping skills. I have worked with a variety of clients from childhood to late adulthood. I look forward to working with you!
VirtualAvailable
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$80/session

Warm
Solution oriented
Empowering

Specialties

Anxiety
Depression
Suicidal Ideation
+10
Hi! I am a Licensed Clinical Social Worker (LCSW) based in Louisville, Kentucky. I received my Masters from the University of Kentucky and have been practicing for 4 years. I help adolescents and young adults struggling with anxiety, depression, life stressors and trauma. I strive to provide a safe environment for you to be able to talk about experiences and situations that are bothering you. This means there is no judgement! If you do not join our meeting within 15 minutes after our scheduled time, that would be considered a no-show. Your first no-show appointment will not be held against you because I know that things happen, but after that you will be charged $50 each time you no-show an appointment. If you cancel an appointment within 24 hours of the appointment, I will also charge you $50 as a late cancellation fee. If there are ever 3 appointments cancelled or no-showed in a row, unfortunately, I would be forced to close per attendance policy. If I am unable to see you within a 30-day period, I would also be forced to close. I will remind you of these policies, but I just wanted to be honest.
VirtualAvailable
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$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
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$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
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$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
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$125/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Depression
+9
Welcome! I am a warm, non-judgemental and real person. One of my basic tenants is we, as people, are doing the best we can, and sometimes our conscious or subconscious "plan" to take care of ourselves is just not working anymore. Sometimes we need to develop a new “plan” but that can be difficult and we need help. The relationship with ourselves, family, friends and our community is a pillar to good health and well being. However things get in the way….like trauma, substance use, addiction, depression, anxiety, loneliness, illness, & fear. I want to support your concerns and help you improve your sense of wellbeing.
VirtualAvailable
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$120/session

Warm
Open-minded
Empowering

Specialties

Anxiety
Depression
Serious Mental Illness
+7
I am licensed clinical social worker in Indiana, Kentucky and Michigan with 8 years of professional work experience. I have experience in helping clients with stress, anxiety, family conflicts, trauma, abuse, motivation, self esteem, & confidence. I also have experience working with depression. I believe that you are the expert of your story and that you have many strengths that will assist you in overcoming things that challenge you. Taking the first step to sign up for therapy can take courage and I am proud of you for getting started!
VirtualAvailable
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$120/session

Warm
Solution oriented

Specialties

Anxiety
Coping Skills
Depression
+2
Hi there, I'm Alicia. Do you feel the pressure and stress of daily responsibilities?Having trouble balancing work, school, kids, bills, finances, relationships, parents, health, and time? Are you feeling overwhelmed, depressed, and anxious? Do you find it difficult to cope? Are you finding it hard to be kind to yourself? I help the tired and frazzled learn to relax and find balance and peace in their lives. Together, we can work on finding balance, relaxation and inner peace in your life. Whether you are overwhelmed and dealing with difficult relationships, work burnout, cycling depression and anxiety, I am here for you! Beginning therapy can feel scary, but you are making the right choice. You deserve to be happy, to heal and to grow in a safe space. I will meet you with compassion, humor, and evidence-based techniques so you can overcome the challenges in your life. Let's start your journey together!
VirtualAvailable
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$90/session

Authentic
Warm
Empowering

Specialties

Addiction
Anxiety
Women's Issues
+5
Hello! I am a Licensed Professional Clinical Counselor in the state of Kentucky. I attended Northern Kentucky University for my degree in Psychology and attended the University of Cincinnati for my Master's degree in Mental Health Counseling. I have worked for the last 20 years in the mental health and addictions field. I work specifically with women to address areas and types of anxiety, trauma, depression, and addiction to empower them to make their lives more manageable.
VirtualAvailable
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$125/session

Warm
Open-minded
Challenging

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
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Frequently rebooked

New to Grow

$100/session

Warm
Empowering

Specialties

Addiction
Anxiety
Depression
+7
As a Licensed Professional Clinical Counselor with over 20 years of experience specializing in substance use disorder treatment, I provide a unique understanding to the disease of addiction, anxiety, depression and other underlying conditions. I use a blend of cognitive-behavioral therapy, motivational interviewing, and faith based treatment. I am person of deep faith who loves his wife and 2 children. Family means a great deal to me and has been a wonderful support system to me along my life journey. I would love to help individuals find the support they need to assist them along their own personal journeys of life.
VirtualAvailable
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$120/session

Specialties

Anxiety
Depression
Life Transitions
+10
Hi, I’m Dr. Tamika Person Knisley, a licensed clinical psychologist with over 20 years of experience assisting individuals through their personal and emotional challenges. My goal as a therapist is to create a safe, compassionate, and non-judgmental space where you can explore your thoughts and feelings, gain insight, and work towards positive change. I believe that every person has the ability to heal, to overcome, and to grow. If you are ready to explore your experiences in a supportive, informed environment... take steps toward change, I’m here to help.
VirtualAvailable
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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 the state. 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.