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 192 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: 7/24/2026

$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
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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.
Available
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$90/session

Open-minded
Warm
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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$90/session

Warm
Authentic
Intelligent

Specialties

ADHD
Anxiety
Grief
+4
Hi there. I am a licensed professional clinical counselor in Kentucky, New Hampshire and Florida. For over 16 years, I have been helping people who are living with anxiety, depression, trauma, and life changes and living with ADHD. I enjoy helping people learn how to use their own strengths to start feeling better. I have worked in a number of settings including inpatient treatment and outpatient. I enjoy meeting people from diverse backgrounds and helping people start feeling better whatever stage of life they are in.
VirtualAvailable
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New to Grow

$120/session

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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Often rebooked

$75/session

Authentic
Warm
Open-minded

Specialties

Anxiety
Coping Skills
Peer Relationships
+10
Hi, I’m a Licensed Clinical Social Worker dedicated to helping children, adolescents, and families navigate anxiety, trauma, behavioral challenges, and life’s stressors with compassion and practical support. I use a warm, collaborative, and strengths-based approach to help clients build coping skills, improve emotional wellness, and move toward healing and growth. I strive to create a safe, supportive space where clients feel understood, empowered, and equipped with tools for lasting change. For clients who desire it, I also welcome integrating Christian faith into the counseling process as part of holistic healing.
Available
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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.
Available
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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.
Available
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$175/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. **Private‑pay rates vary by state; Kentucky residents receive a reduced rate.**
VirtualAvailable
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Often rebooked

$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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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.
Available
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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.
Available
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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.
Available
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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.
Available
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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.
Available
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$125/session

Authentic
Direct
Empowering

Specialties

Addiction
Family Conflict
Mood Disorders
+10
Hi, I'm Julie D'Anniballe, founder of D'Anniballe Counseling and Wellness. I'm a licensed mental health counselor with over 18 years of experience. Additionally, I am a supervisor for the Kentucky Board of Licensed Professional Clinical Counselors. At D'Anniballe Counseling and Wellness, I prioritize creating a nurturing environment for healing and personal growth. I provide mental health counseling to adults and teens who are seeking support, clarity, and meaningful change in their lives.
VirtualAvailable
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$50/session

Authentic
Direct
Solution oriented

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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$100/session

Authentic
Warm
Solution oriented

Specialties

Anxiety
Depression
Trauma and PTSD
+10
Hello! My name is Rachel Fondren and I am a licensed independent clinical social worker and private independent practitioner. I graduated from the University of North Alabama with a Bachelors in Social Work and from the University of Southern California with a Masters in Social Work. Over the years, I have worked with individuals on a wide range of concerns including depression, anxiety, relationship issues, personality disorders, trauma, career challenges, OCD, ADHD, and Serious Mental Illnesses.
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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$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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$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 and the owner of Boheme Holistic Clinical Services. I earned my bachelor’s degrees in Psychology and History from Western Kentucky University, and my master’s in Counseling and Human Development from Lindsey Wilson College. I’m currently working on my doctorate in Counselor Education and Supervision at Lindsey Wilson University (and yes, they did change the name!). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, inpatient behavioral health, geriatric services, and school settings for the last 6+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable
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Often rebooked

$150/session

Direct
Solution oriented
Empowering

Specialties

Addiction
Anxiety
Depression
+7
I’m a Licensed Clinical Social Worker in Kentucky and Indiana with over 25 years of experience supporting adults through life’s most complex challenges. My work centers on mood disorders, addiction and recovery, sexuality, grief, and relationship dynamics. I offer a compassionate, down-to-earth approach that honors your story and helps you move toward clarity, resilience, and meaningful change. Whether you're navigating a relapse, loss, or simply feeling stuck, I’m here to walk alongside you with care and intention.
VirtualAvailable
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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!
Available
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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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$127/session

Authentic
Humorous
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.