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 205 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: 8/29/2026

$85/session

Direct
Open-minded
Solution oriented
Specialties
Anxiety
Depression
Life Transitions
+10
Life is tough, and starting therapy is a big step- I'm glad you're here! I view therapy as a safe, nonjudgmental space where you learn more about yourself and what you want. As your therapist, I'll help you identify patterns in your thoughts, feelings, and behaviors that may be holding you back. We'll work together on a plan that focuses on what matters most to you. My ultimate goal is to give my clients the tools they need to live their best lives and be the best version of themselves possible. It's natural to want to know about a potential therapist, so here's some info about me and my experience that will help you determine if we'd be a good fit: I have 15 years of clinical social work experience, much of it in hospital and crisis settings. I really enjoy learning and staying up to date with the latest advances in clinical practice, and I earned my doctorate in social work in 2023. I work best with those struggling with mood disorders, anxiety, and depression. I enjoy working with people to navigate life's many stressors, including employment and relationship issues. Additionally, I am an LBGTQ+ and neurodiverse-affirming therapist with extensive training and expertise in these areas. My approach is warm, supportive, and collaborative—I aim to create a space where you feel truly heard and supported. I'll check in frequently to make sure you're getting what you need out of therapy. I like sessions to be structured enough that they feel productive, while allowing space to discuss the topics most important to you in the moment.
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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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$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
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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.
Available
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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.
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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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$125/session

Solution oriented
Authentic
Warm
Specialties
Anxiety
First Responders/Healthcare Workers
Military/Veterans
+8
With over 21 years of experience in the mental health field, I am dedicated to helping adults navigate life’s challenges and find healing. As an LPCC licensed in both Ohio and Kentucky, I specialize in treating trauma, anxiety, depression, relationship struggles, and self-esteem issues. I hold a Master’s degree in Counseling from the University of Cincinnati, and my approach integrates a deep understanding of human emotion with a genuine desire to create meaningful change. My therapeutic style is warm, approachable, and often includes humor to help create an open and supportive space for growth. I use trauma-informed care and evidence-based practices to help clients process past experiences, build resilience, and reclaim their sense of safety and control. Validation, empathy, and humor are key tools I use to make healing feel not only possible but hopeful. Together, we work to foster lasting change, create healthier coping strategies, and develop a stronger, more empowered sense of self. Life’s challenges can feel overwhelming, but with the right support, transformation is always within reach. I am here to walk with you, every step of the way, toward a future filled with healing, strength, and peace.
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$100/session

Warm
Authentic
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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New to Grow

$90/session

Specialties
ADHD
Self Esteem
Trauma and PTSD
+1
Hi, I’m Brandy, a Licensed Clinical Social Worker with over 13 years of experience helping adults navigate trauma, relationship challenges, grief, anxiety, and major life transitions. I specialize in attachment-focused and trauma-informed therapy and am EMDR certified. My approach is warm, authentic, and practical—I want therapy to be a space where you feel genuinely understood while also gaining insight and tools that help create meaningful, lasting change.
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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.
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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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$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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$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

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!
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$80/session

Warm
Authentic
Empowering
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.
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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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$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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$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.
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$120/session

Authentic
Warm
Empowering
Specialties
Anxiety
Coping Skills
Depression
+10
I am a Licensed Clinical Social Worker and have been in the mental health field for 31 years and a clinical therapist for 24 years. I received my bachelor degree from The University of the Cumberlands in 1987 and my Masters in Social Work from the University of Hawaii at Manoa in 1993. I provide counseling for multiple issues to include mental health, healthy relationships, anger management, and building coping skills. I specialize and have specific training and certifications in treating people who have experienced abuse and domestic violence. My mission is to provide clinically sound, faith-based counseling accessible to those who seek it. Integration of faith in therapy will be to the extent of the individual's interest. I work with multiple clientele and provide a trusting and nonjudgmental environment, and spirituality will not be discussed or forced on those that may not have a religious belief or have no interest in incorporating faith into their treatment process.
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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.
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$100/session

Authentic
Empowering
Open-minded
Specialties
Perinatal Mental Health
Postpartum
Women's Issues
+10
Every woman deserves to feel powerful in her own life. We forget how strong, resilient, and deeply worthy we really are, whether you're in the thick of new motherhood, grieving a loss that changed everything, running on empty, or simply tired of feeling like you're not enough. Wherever you are, you are already enough. And I'm here to help you see it, feel it, and reclaim it. Hey there! I'm a Licensed Professional Clinical Counselor Supervisor (LPCC-S) with over 12 years of experience dedicated to supporting and empowering women through life's transitions-because life is always life-ing. My specialty is perinatal mental health. As a certified Perinatal Mental Health Specialist (PMH-C) through Postpartum Support International, I walk alongside women through pregnancy, postpartum, the fourth trimester, traumatic birth, and loss-the seasons that change you in ways no one fully prepares you for. I support women navigating: Perinatal and postpartum depression and anxiety Perinatal OCD and traumatic birth Mother and infant attachment Parenting in recovery Pregnancy and infant loss and grief The fog of depression, anxiety, or stress blocking your path back to yourself Burnout from expectations you never should have carried alone Compassion fatigue — for the helpers, healers, and caretakers who pour from an empty cup Grief of a person, relationship, lifestyle, or a version of yourself Life. The deep, bone-tired desire to stop surviving and start healing Fresh endings and new beginnings This is an inclusive, affirming space that celebrates all backgrounds, identities, and family structures. You belong here-exactly as you are.
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$150/session

Specialties
Addiction
Career Counseling
Mood Disorders
+10
I'm a Licensed Professional Counselor (LPC) in Alabama and Oregon and a Licensed Professional Clinical Counselor in Kentucky. I received my Master's from Portland State University and my Doctorate in counseling from Oregon State University. I am a certified addiction specialist and certified in Dialectical Behavioral Therapy and Trauma-informed care. My role as a therapist is to help guide the client in the change process. To help with tools and provide support.
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Often rebooked

$150/session

Holistic
Authentic
Warm
Specialties
Anxiety
Depression
Trauma and PTSD
+3
I am a holistic and integrative therapist offering somatic psychotherapy online. I support clients who are navigating chronic stress, anxiety, depression, trauma, PTSD, CPTSD, neurodiversity and high sensitivity. I integrate eastern and western modalities to offer a truly holistic approach to healing and highly effective therapy: Somatic Psychotherapy, Mindfulness-based Cognitive Behavioral Therapy, Reiki & Energy Therapy, Spinal Energetics and Therapeutic Yoga. Our past experiences live in the body and entire system, not only in the mind. I believe it is important to work with the whole self when it comes to healing. My primary approach is somatic-- inviting the body into the conversation and processing emotion, energy and experience through the body-mind.
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$150/session

Specialties
Anxiety
Depression
Family Conflict
+7
Hi! My name is Leahanna McDonald and I am a Licensed Clinical Social Worker (LCSW)! I received my Masters from the University of Southern Indiana and have been serving children and families since 2014. I support children, teens, and caregivers during high stressors of life transitions such as divorce, separation, parenting conflicts, high conflict divorce, custody changes, and changes in family dynamics.
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$127/session

Humorous
Authentic
Solution oriented
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.
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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.