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 203 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: 8/11/2026

New to Grow

$90/session

Specialties

Anger Management
Anxiety
Parenting
+8
Hello, I am Dennie Morrison, Jr., LPCC. I am a licensed mental health therapist with 21 years' experience working with children, adolescents and adults. I have a master's degree in mental health counseling with training in marriage and family therapy as well through Lindsey Wilson College. I have experience in working with individuals in treatments facilities, as well as community settings. My passion is to assist others in improving their quality of life through empowering them with necessary skills.
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New to Grow

$100/session

Specialties

Addiction
ADHD
Personality Disorders
+10
I'm a Licensed Professional Clinical Counselor who is passionate about helping people find hope, healing, and lasting growth. I work with adults who feel stuck in patterns that are difficult to break, whether that's substance use, difficulty focusing, overwhelming emotions, or other life challenges. I believe meaningful change happens when you have the right support and a safe space to be yourself. My goal is to help you better understand yourself, build practical skills, and create lasting change that carries into your everyday life.
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New to Grow

$100/session

Specialties

Life Transitions
Self Esteem
Spirituality
+8
Hi. My name is Norma Thomas and I am a bilingual psychotherapist and licensed psychological assessor authorized to practice counseling and psychology in the state of Kentucky. I serve the community as a mental health specialist with more than 10 years of experience in various approaches: I offer psychotherapy and psychological assessments in English andd Spanish for adolescents and adults. If you are going through difficult times that are causing you distress or stress, I can help you. The goal of each session is for you to gain a new perspective on your personal challenges, recognize the resources available within yourself and your environment, redefine the meaning of your life, and live it to the fullest.
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New to Grow

$110/session

Specialties

Anxiety
Health/Medical Issues
Life Transitions
+10
Hello, I'm Sarah. I'm a licensed clinical social worker who works with adults virtually in Ohio, Indiana, and Kentucky. I strive to be easy to talk to, and I believe therapy should feel like a space where you can show up exactly as you are—without pressure, judgment, or needing to have everything figured out. My practice is collaborative, down-to-earth, and centered on what matters most to you. We’ll make room for whatever you’re carrying, whether it’s stress, relationship challenges, big life changes, old patterns that keep showing up, or simply the feeling that something needs to shift. I’ll listen closely, help you make sense of what’s going on, and support you in finding practical ways to move forward. I want our work to feel real and useful—not overly clinical or one-size-fits-all. Together, we’ll go at a pace that feels right for you, build on your strengths, and create space for more clarity, confidence, and self-trust.
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New to Grow

$70/session

Specialties

Anxiety
Depression
Trauma and PTSD
+1
Life can feel overwhelming when you are carrying the weight of past traumas or managing daily mental health struggles. My practice offers a safe, non-judgmental space where we work together to understand the root causes of your pain, develop practical coping tools, and rebuild a life rooted in stability and peace. You do not have to walk this path alone.
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New to Grow

$120/session

Specialties

ADHD
Anxiety
Depression
+10
I am a Licensed Clinical Social Worker with over five 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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New to Grow

$100/session

Specialties

Addiction
Anxiety
Chronic Illness
+6
Starting therapy can feel like a big step, and I’m honored you’re considering me as part of your journey. My goal is to create a welcoming, supportive space where you feel comfortable being yourself-without fear of judgement. I'm a Licensed Clinical Social Worker (LCSW) dedicated to helping adults navigate life's challenges with compassion, curiosity, and evidence-based care. I specialize in working with adults living with chronic illnesses, as well as those experiencing anxiety, depression, and addiction. I understand that managing a chronic health condition can affect every aspect of life—from relationships and work to identity and emotional well-being—and you don't have to face those challenges alone. My approach is warm, collaborative, and tailored to your unique needs. I believe therapy isn't about "fixing" you—it's about helping you better understand yourself, build on your strengths, and develop practical tools to move through life's challenges with greater confidence and resilience.
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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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$135/session

Direct
Warm

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
Empowering
Warm

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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$100/session

Warm
Empowering
Authentic

Specialties

Anxiety
Depression
Trauma and PTSD
+10
It's okay to not be okay, and I am so proud of you for putting in the research to find a therapist who is a good fit for you. A little bit about myself, I was raised in Lexington, KY and after living in Western Kentucky for 11 years, I have returned home to my roots. I graduated from Western Kentucky University with a Masters in Social Work and have worked as a psychotherapist in community mental health, private practice, and assisted care facilities. I would describe myself as quirky, direct, and compassionate. I am a mom of two boys who are my absolute world. I absolutely love my job and love working with people to improve their mental health and overall quality of life. You deserve to be heard, believed and encouraged. Giving therapy a shot can feel intimidating but also life-changing and if you're still reading this, I hope that you will consider booking an appointment with yours truly :)
VirtualAvailable
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New to Grow

$80/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
I am an LPCC from Kentucky, I graduated with my Masters degree from WKU. I have been practicing therapy early on from internship to my LPCA, my LPCC, and soon I will be able to gain my supervisor credential and become an LPCC-S. I attempt to balance an empathetic approach with a scientific approach to therapy as I think it is important to view situations and client cases from both perspectives rather than only one. I like to remove rigid stereotypes of therapy and approach it with a more holistic and casual approach, again, with that added scientific foundation.
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$120/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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New to Grow

$100/session

Specialties

ADHD
Anxiety
Life Transitions
+10
I am a Licensed Professional Clinical Counselor (LPCC). I am committed to helping individuals navigate the complexities of anxiety, depression, bipolar disorder, PTSD, and other mental health challenges. I believe that everyone has the strength within them to overcome obstacles and find a path towards healing and growth. Whether you're an adolescent or an adult, I am here to offer a safe space for you to explore your emotions, thoughts, and experiences. By seeking therapy, you're taking a courageous step towards a more fulfilling future. It would be an honor to walk this path alongside you.
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New to Grow

$100/session

Specialties

Life Transitions
Mood Disorders
Trauma and PTSD
You made it here, which means you've already taken one of the hardest steps toward prioritizing your mental health. Congratulations on investing in yourself! I am a Licensed Clinical Social Worker (LCSW) based in southern Kentucky. My journey began with a bachelor's degree in psychology, where I discovered my passion for helping others. That passion led me to earn my Master of Social Work and dedicate my career to supporting individuals through life's challenges.
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New to Grow

$100/session

Specialties

Anxiety
Depression
Life Transitions
+4
Hello, I'm Benjamin Cole, LPCC. I utilize an integration of psychodynamic therapy, along with other evidenced based treatments to enable clients to feel better, live life more fully, and gain emotional freedom. In my approach to treatment I emphasize emotional awareness, compassion, and the role of insight for growth and change. We'll work together to accomplish the goals that you want to set for treatment. so that you can alleviate your suffering and make the changes that you wish to see in your life.
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New to Grow

$90/session

Specialties

Anxiety
Child or Adolescent
School Issues
+10
I am a graduate of Morehead State University and Campbellsville University. I currently work in a school district as the school social worker where I conduct group therapy, provide psychoeducation, link families to needed resources, and engage in crisis intervention for our high risk students. I have been practicing therapy for approximately 3 years now, and prior to this career path, I worked in the child protection field. During my downtime I enjoy spending time with my husband and kids. Summer is my favorite time of the year, but I also really enjoy the holiday season! I'm also very much a book worm and like to read various genres of books.
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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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New to Grow

$60/session

Specialties

Child or Adolescent
Self Esteem
Suicidal Ideation
+10
Reaching out for therapy can be one of the hardest steps to take, and I want you to know you don't have to go through life's challenges alone. I am a Licensed Professional Clinical Counselor (LPCC) who enjoys working with children, adolescents, and adults facing anxiety, depression, trauma, grief, relationship concerns, life changes, and everyday stress. I believe every person has strengths, even when they may not see them themselves. My goal is to provide a safe, supportive, and judgment-free space where you can feel comfortable being yourself. Together, we'll work to better understand what's keeping you stuck, build healthy coping skills, and help you move toward the life you want to live.
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$100/session

Warm
Authentic
Empowering

Specialties

Anxiety
Obsessive-Compulsive (OCD)
Trauma and PTSD
+10
Dear future client, I am a Licensed Clinical Social Worker (LCSW) based out of Kentucky but licensed in KY and Illinois. I received my master's from the University of Louisville and have been practicing for 9 years. I work alongside adults to assist in managing strong emotions to support mental wellness. Adults who need support while learning ways to cope. A space to process unhealthy attachments and traumatic experiences.
VirtualAvailable
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$100/session

Warm
Authentic
Intelligent

Specialties

Serious Mental Illness
Suicidal Ideation
Trauma and PTSD
+10
Hi there! I am glad you are here! I'm Donnah. A little information about me. I have diverse experience working in community mental health, and I particularly enjoy working with adolescents, young adults, and their families. I strive to be the type of helper and ally that I would have benefited from as a teen. Transitioning to adulthood can be challenging, and I am passionate about supporting this population. Whether it's dealing with school challenges, choosing a career, facing emerging mental health issues, or navigating parental or relational difficulties, I am eager to help.I have a wide range of experience in community mental health and find great satisfaction in supporting adolescents, young adults, and their families. My goal is to provide the kind of support and understanding I would have valued as a teenager. Recognizing the difficulties of transitioning to adulthood, I am dedicated to helping this age group navigate challenges such as school pressures, career decisions, emerging mental health concerns, emotional regulation problems, and family or relationship issues.
VirtualAvailable
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New to Grow

$90/session

Specialties

Addiction
Anxiety
LGBTQ
+9
Hello, and welcome! My name is Crystal, and I am a Licensed Clinical Social Worker (LCSW) dedicated to helping individuals navigate life's challenges with compassion, authenticity, and evidence-based care. I am passionate about working with individuals experiencing anxiety, depression, PTSD, and other life stressors. My goal is to provide a supportive, nonjudgmental space where you feel heard, valued, and empowered to explore your experiences at your own pace. Together, we will identify your strengths, develop effective coping strategies, and work toward meaningful, lasting change. Therapy is a collaborative process, and I believe every person deserves the opportunity to heal, grow, and live a life that aligns with their values. Whether you are working through past trauma, managing overwhelming emotions, or facing difficult life transitions, I am committed to helping you build resilience, establish healthy boundaries, strengthen self-confidence, and create realistic goals that support your long-term well-being. My approach is personalized to meet your unique needs because no two individuals share the same journey. I strive to create a welcoming environment where you can safely process challenges, celebrate progress, and develop the tools needed to become the healthiest and most authentic version of yourself. Taking the first step toward therapy can feel overwhelming, but you do not have to face life's challenges alone. I would be honored to walk alongside you as you move toward healing, personal growth, and a more fulfilling future.
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New to Grow

$160/session

Specialties

Anxiety
Suicidal Ideation
Trauma and PTSD
+8
Hi, I'm Summer. I’ve been through many transitions in my life, big and small, and whatever the situation you’re facing, I am here to help you navigate yours. I utilize Dialectical Behavior Therapy (DBT) to help you capitalize on your strengths and create a meaningful life- “A Life Worth Living.” If you are interested in discovering how I can support you to move from where you are now to where you would like to be, please contact me!
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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.
VirtualAvailable
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New to Grow

$100/session

Specialties

Life Transitions
Parenting
Women's Issues
+3
Hi, I’m Nicole, a Licensed Clinical Social Worker providing virtual therapy to teens and adults across Kentucky. I believe therapy should feel like a space where you can be yourself without judgment or pressure to have everything figured out. My approach is warm, honest, and collaborative. Whether you’re dealing with anxiety, trauma, burnout, postpartum changes, relationship stress, or a major life transition, I’m here to help you better understand yourself, feel less stuck, and make changes that actually fit your life.
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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.