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

Find therapists near you in

LexingtonLouisville

Availability updated: 9/20/2026

$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

New to Grow

$100/session

Specialties
Addiction / Substance Use
Personality Disorders
Serious Mental Illness / Crisis
+8
I offer supportive counseling with evening & weekend availability. I accept multiple insurance plans and offer a limited number of sliding-scale spots for self-pay clients. My name is Charlotte Marlow, and I am a Licensed Professional Clinical Counselor (LPCC) who provides telehealth services in Kentucky. I offer both weekend and evening availability. I specialize in working with individuals who are navigating mental health challenges, substance use, and life transitions. I help by creating a supportive, nonjudgmental space where clients can explore their thoughts and emotions while building practical skills for lasting change.
Available

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.
Available

New to Grow

$120/session

Specialties
Couples Counseling
First Responders/Healthcare Workers
Life Transitions
+10
I’m a warm, down-to-earth therapist with more than 25 years of experience helping people navigate anxiety, trauma, relationships, grief, career and life transitions, and those seasons when life simply doesn’t look the way you thought it would. My approach is compassionate, practical, solution-focused, and collaborative. I’ll listen carefully and create a space where you can be completely yourself—but I’ll also ask thoughtful questions, offer honest feedback, help you recognize patterns, and give you practical tools you can actually use outside of therapy. Life experience has shaped me just as much as education and professional training. I’ve been married to my HS sweetheart for more than four decades, raised three children, experienced loss and grief, navigated career changes, family challenges, parenting, marriage, aging, and the many unexpected chapters that come with building a life alongside the people you love. Those experiences have given me a deep appreciation for resilience, relationships, humor, and the fact that none of us gets through life without a few scars and stories! My work is especially meaningful with adults and couples navigating anxiety, trauma, relationship challenges, parenting, first responder or military life, grief, major transitions, and questions about identity or purpose. I enjoy working with people who may appear capable and successful on the outside while privately feeling overwhelmed, disconnected, stuck, or exhausted from holding everything together. My therapy is holistic and individualized. Depending on what fits you, we may incorporate evidence-based approaches alongside mindfulness, humor, nature, animals, relationships, meaning and purpose, and faith or spirituality if that's valued. I believe therapy should help you understand where you’ve been without keeping you there. Together, we’ll focus on healing what hurts, strengthening what already works, and helping you intentionally build a life and relationships that feel authentic, meaningful, and with any luck a little lighter.
Available

$120/session

Authentic
Intelligent
Humorous
Specialties
Addiction
ADHD
Trauma and PTSD
+5
So, here we are. Life’s a bit of a mess, isn’t it? Maybe it feels like you’re starring in a horror movie, except no one handed you the script. I’m Kandace Barkham, and I help people like you. Those who are over the empty platitudes and ready for real change. I have an LCSW/LCADC. I hold a BSW and an MSSW from the Kent School. If you’re looking for a therapist who’s going to sit back, nod silently, and sprinkle some feel-good phrases your way… well, that’s not me. I’m here to help you actually get unstuck, and yes, we might even laugh at the absurdity of it all along the way. Let’s cut through the nonsense: trauma, addiction, mental health issues. they suck. But you know what sucks more? Pretending like everything’s fine and letting them control your life. Together, we’ll work through the heavy stuff. We’ll get into the mess, sort it out, and figure out how you can finally breathe a little easier. Therapy with me isn’t some endless loop of “and how does that make you feel?” It’s a collaborative process where I bring my expertise to the table, and you bring your courage to face what’s been holding you back.
VirtualAvailable

Often rebooked

$90/session

Empowering
Solution oriented
Authentic
Specialties
Anxiety
Depression
Eating Disorders
+8
I’m a Licensed Clinical Social Worker (LCSW) based in Kentucky. I understand that seeking help takes courage, and I believe that real, lasting change—though often difficult—is always possible. My approach is warm, collaborative, and grounded in mutual respect. I consider it a privilege to hear your story, support your healing process, and help you move toward the life you want to live. You deserve to feel seen, supported, and empowered—through an approach that feels right to you.
VirtualAvailable

$100/session

Humorous
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
I am a LPCC-S in Kentucky with over 13 years of experience that include working as a treatment director and therapist of a mental health facility. I have worked with clients with a wide range of concerns including depression, anxiety, relationship issues, parenting problems, career challenges, OCD, DMDD, ODD, PTSD and ADHD. I also helped many people who have experienced physical trauma or emotional abuse, and I am certified for TF-CBT and working on the trauma narrative. I have worked with all ages which includes children (6-12), adolescents (13-20), and adults.
VirtualAvailable

New to Grow

$100/session

Specialties
Anxiety
Depression
Life Transitions
+10
I am a licensed therapist who works with individuals seeking support for anxiety, depression, stress, relationship concerns, life transitions, and personal growth. As a clinician with 9+ years of providing social work services to several client populations, including individuals diagnosed with substance use disorder and severe mental illness classifications, I bring both professional expertise and cultural awareness to my work. I believe therapy is a partnership, and I am committed to helping clients navigate challenges, strengthen coping skills, and achieve their personal goals in a welcoming and respectful environment.
Available

$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.
Available

$110/session

Authentic
Warm
Open-minded
Specialties
ADHD
Anxiety
Couples Counseling
+10
Life can be challenging, especially when you're balancing relationships, parenting, caregiving, work responsibilities, and the expectations you place on yourself. It's easy to find yourself feeling overwhelmed, anxious, disconnected, or unsure of how to move forward. My goal is to provide a space where you can feel genuinely heard, understood, and supported while creating meaningful change. I work with individuals, and couples navigating anxiety, depression, trauma, PTSD, relationship difficulties, life transitions, caregiver stress, and family challenges. Together, we explore patterns that may be keeping you stuck, build practical tools for managing emotions and stress, and strengthen the relationships that matter most. My approach combines evidence-based strategies with compassion, curiosity, and a belief that growth happens when people feel safe enough to be honest about both their struggles and strengths. Whether you're working through a difficult season, healing from past experiences, improving communication, or seeking greater balance in your life, I strive to help you build resilience, deepen self-understanding, and move toward a life that feels more connected and fulfilling. Outside of my work, I most enjoy spending time getting outdoors with my family. Whether we're exploring nature, staying active, or simply enjoying time together, these experiences remind me of the importance of connection, balance, and being present in the moments that matter most. You don't have to navigate it all alone.
VirtualAvailable

Often rebooked

$90/session

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

$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

$125/session

Solution oriented
Authentic
Intelligent
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.
VirtualAvailable

$100/session

Warm
Authentic
Solution oriented
Specialties
Serious Mental Illness
Suicidal Ideation
Trauma and PTSD
+10
Hi there! I’m Donnah, and I’m glad you’re here. I’m a licensed professional clinical counselor and the owner of Phoenix RISE KY LLC. I work with a diverse range of clients and have extensive experience supporting people through trauma, grief, major life transitions, anxiety, emotional regulation difficulties, relationship concerns, and other challenging life experiences. Much of my work centers on trauma and the ways past experiences can continue to affect emotions, relationships, self-perception, and everyday functioning. My goal is to provide a supportive and nonjudgmental space where you can make sense of what you have experienced, develop practical tools for coping, and work toward meaningful change at a pace that feels manageable. My approach is compassionate, collaborative, and individualized. I believe therapy should reflect the person in front of me rather than relying on a one-size-fits-all approach. Together, we can identify patterns, build on your strengths, develop healthier ways of responding to stress, and work toward greater stability, connection, and confidence. I also have a special appreciation for adolescents and young adults navigating the transition into adulthood, including school or career pressures, family and relationship challenges, emotional regulation concerns, and emerging mental health needs. Through Phoenix RISE, my goal is to help people reflect on their experiences, recognize their strengths, feel supported through difficult seasons, and become more empowered in their lives.
VirtualAvailable

$80/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+9
Do you feel anxious, overwhelmed, or emotionally exhausted? Are you struggling with depression, carrying the weight of past trauma, or wondering if you’ll ever feel like yourself again? If you’ve spent years people-pleasing, doubting yourself, or wondering whether you’re “good enough,” you don’t have to face it alone. I specialize in helping adults heal from anxiety, depression, and trauma. As an EMDR-trained therapist, I use evidence-based approaches to help you move beyond simply managing symptoms and begin healing the experiences that continue to impact your life today. Together, we’ll explore what’s underneath the anxiety, guilt, sadness, or emotional heaviness you’ve been carrying so you can reconnect with yourself and move forward with confidence. My goal is to help you rediscover your worth, set healthy boundaries without guilt, and create a life that feels authentic and meaningful. With over 14 years of experience, including extensive work with survivors of trauma, I bring compassion, honesty, and authenticity into every session. You are the expert on your own life, and my role is to provide a safe, supportive space where healing can happen and where you can begin believing that you are enough, just as you are.
Available

New to Grow

$150/session

Specialties
Depression
Grief
Life Transitions
+2
I have over five years of experience supporting individuals from all walks of life, with a focus on depression, anxiety, parenting challenges, military culture and experiences, and life transitions. My approach is collaborative, strengths-based, and grounded in creating a safe, supportive, and nonjudgmental space where you feel heard and understood.
Available

$90/session

Warm
Empowering
Open-minded
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.
Available

$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.
Available

$80/session

Authentic
Warm
Solution oriented
Specialties
ADHD
Anxiety
Depression
+7
Losses, social isolation, family tension, work fatigue, health issues, and uncertainty have created an imbalance in our lives, consequently decreasing our overall well-being. We are all striving to grow the life we desire. I help individuals flourish through integrative, evidence-based therapy while providing a structure of accountability for in-between-session work. I've been a Licensed Professional Clinical Counselor (LPCC) since 2008, was initially licensed as an LPCA in 2004, and am a Certified Integrative Mental Health Professional (CIMHP). I've worked with individuals experiencing depression, anxiety, grief, AD(H)D, trauma, and relationship conflicts. Together, we can develop a toolbox of resources to help you become more resilient.
VirtualAvailable

$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

$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.
Available

Often rebooked

$100/session

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

Often rebooked

$150/session

Holistic
Authentic
Empowering
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.
VirtualAvailable

$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.
Available

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.
Available
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.