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 222 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:

$75/session

Authentic
Empowering
Solution oriented
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

$125/session

Specialties
Burnout
Obsessive-Compulsive (OCD)
Self Esteem
+3
Hello. Im Ellen Buddeke and Ive been a practicing therapist now for over 10 years. My practice focuses on helping professional and family caregivers along with people struggling with anxiety (OCD, specifically) and depression. I utilize a trauma informed approach in my practice and hold space for the difficult times that are extra hard to navigate.
Available

$90/session

Specialties
Grief
LGBTQ
Peer Relationships
Welcome! I am a dedicated mental health professional committed to supporting people aged 13+ on their journey toward well-being. I provide a compassionate and understanding space where clients can explore challenges, develop valuable coping skills, and build confidence to thrive. My goal is to empower each person to cultivate lasting emotional health and resilience. I enjoy using humor and hobbies to build rapport.
VirtualAvailable

$120/session

Warm
Direct
Solution oriented
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

New to Grow

$50/session

Specialties
ADHD
Childhood / Intergenerational Trauma
Trauma and PTSD
+10
I’m Hayley Torgersen, a therapist with experience in the mental health field since 2016, dedicated to helping clients navigate their unique paths toward wellness. I provide telehealth services to individuals across Kentucky, working with both children and adults. I specialize in helping clients process trauma, explore complex familial patterns, and enhance emotional well-being. My practice is built on providing unconditional positive regard and tailoring my approach to meet your specific needs. Whether you are seeking support for yourself or nurturing relationships, I am here to help you challenge your current narrative and reach your goals. I am also trained in ADHD and PTSD assessments and utilize a wide range of evidence-based modalities, including EMDR, TF-CBT, CBT, DBT, and Conscious Discipline.
Available

Often rebooked

$125/session

Warm
Open-minded
Authentic
Specialties
Depression
Personality Disorders
Trauma and PTSD
+4
I am a compassionate mental health therapist dedicated to creating a safe, supportive space where individuals can explore their experiences, build resilience, and move toward healing and personal growth. My approach is rooted in trauma- informed care, recognizing ways life experiences can shape how we see ourselves, relate to others, and navigate the world. I work with individuals facing a range of challenges, including trauma, personality disorders, emotional regulation difficulties, anxiety, depression, relationship concerns, and the everyday stressors that come with balancing work, family, identity, and personal expectations. I strive to create an environment where people feel heard, understood, and empowered to move forward with greater self- awareness, emotional balance, and confidence.
VirtualAvailable

$160/session

Warm
Empowering
Intelligent
Specialties
Anxiety
Depression
LGBTQ
+8
Are you feeling overwhelmed and need support? Are you struggling with anxiety or having trouble in your relationships? Maybe you're finding it difficult to achieve your goals? It can be exhausting to navigate the obstacles life throws at us. I understand how difficult and scary it can be to take the first step and begin the healing process. In our sessions, I'll meet you where you are with compassion and evidence-based practices so we can identify what's not working and find a way to help you meet your goals for a healthier, happier life. I offer telehealth counseling services for individual adults of all ages and all walks of life who reside in the state of Kentucky. My therapeutic approach is primarily strengths-based, applied within evidence based interventions such as cognitive behavioral, psychodynamic, motivational interviewing, and mindfulness therapies. My goal as a therapist is to create a comfortable and welcoming environment for you to explore and express your thoughts and feelings. Let's work together!
VirtualAvailable

New to Grow

$100/session

Specialties
Emotional Regulation
Grief
Trauma and PTSD
+10
Hi, I'm Amy. I work with adults carrying trauma and grief, especially the kind of grief that doesn't fade on its own timeline because it's tangled up with how you see yourself now. I'm EMDR and CBT trained and DBT certified. I work full-time in suicide prevention, so I've sat with people through some genuinely hard moments. That's made me steady, and it's made me someone who won't flinch from whatever you bring into the room. I'd be honored to be part of your story.
Available

$90/session

Warm
Authentic
Open-minded
Specialties
ADHD
Anxiety
Trauma and PTSD
+8
I’m a Licensed Clinical Social Worker (LCSW) based in Kentucky. I earned my Master’s degree in Social Work and have been practicing in the mental health field for 14 years. Throughout my career, I have gained extensive experience working with adolescents and adults experiencing ADHD, OCD, bipolar disorder, substance use, anxiety, and depression. My approach is centered on helping individuals heal from past and present trauma, develop greater self-awareness, and recognize and transform unhealthy patterns of thinking and behavior. I strive to create a safe, supportive, and nonjudgmental environment where clients feel heard, understood, and empowered to grow. My goal is to help each person better understand themselves, build effective coping skills, and move toward becoming the healthiest and most fulfilled version of themselves.
VirtualAvailable

$45/session

Authentic
Specialties
Anger Management
Family Conflict
Trauma and PTSD
+8
My identity and therapy practice are highly intertwined as I always say "I am a human before I am a therapist". Yes I went to college and got a big degree but my general desire for my clients is for them to feel like they are sitting with an authentic human who has "been there before". I moved from my home in Eastern KY Appalachia to Louisville in 2019. Having this experience has shown me that there ain't much difference in the suffering people have in the country and the city. I believe that our current society and systems all too often force people into hard spots and then tell them to pull themselves up and keep it pushing. My goal in therapy is to slow things down to normalize for you that we are not working on "what's wrong with you" but instead "what happened to you". This allows you to feel safe enough with me to share the parts of your life/mental that even you don't want to address. That is when you start healing. Cause once you feel seen and supported, you feel empowered enough to figure out how YOU want to live (not how you have been told to). I describe this whole process as you are driving the car and I am riding "shot gun" just pointing things out and making suggestions! I find that my unconditional acceptance of clients, use of real world humor/experiences, and gently pushing for change allows us to start building the skills and strategies you need to live in this world as an authentic you. Another favorite saying of mine is "it's your world my guy I'm just living in it"!
Available

Often rebooked

$75/session

Warm
Authentic
Humorous
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

$100/session

Authentic
Direct
Empowering
Specialties
Anxiety
Depression
Perinatal / Postpartum
+7
What happens when being the strong & dependable person who holds everything together becomes exhausting? Maybe you're navigating motherhood while struggling with anxiety, intrusive thoughts, or the pressure to be the parent you imagined you'd be. Maybe you're successful in your career but privately battling perfectionism, self-doubt, or burnout. Or perhaps life hasn't unfolded the way you expected, and you're trying to figure out who you are beyond everyone else's expectations. I'm a Licensed Professional Clinical Counselor Supervisor (LPCC-S), National Certified Counselor (NCC), and Certified Perinatal Mental Health Specialist (PMH-C) with over 12 years of clinical experience. I work with women who are tired of surviving and ready to start living. Ready to manage or overcome anxiety, depression, trauma, relationship challenges, perfectionism, and burnout. My areas of expertise include women's and perinatal/postpartum mental health, traumatic birth experiences or grief, and the emotional complexities of motherhood. My approach is compassionate, direct, and collaborative, grounded in evidence-based, trauma-informed care. I'm here to help you catch the "brain lies" that convinced you that you're not enough, that you have to earn rest, or that holding everyone else together is your job. We'll identify where those beliefs came from, pick them apart, and build evidence against them until they no longer matter. This isn't about venting for an hour and feeling a little better. It's about reclaiming your power and ending those self-imposed limitations that have been quietly running your life. We'll dig into the patterns underneath your struggles, build strategies you can actually use outside of session, and work toward change that holds up in your real life, not just in this room. You don't have to earn your worth through productivity or how much you can do for others.
Available

$100/session

Warm
Open-minded
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
My name is Kimberly Watkins. I am a Licensed Professional Clinical Counselor who cares deeply about helping you make your way. Being a native of a small town, I understand the challenges these communities face in gaining quality mental health care. Therefore, after college and getting married, I pursued higher education to fulfill my passion of becoming a counselor. Along the way, I have helped others in various capacities including displaced children and teen moms, working at a homeless shelter and grief center, teaching Social Emotional Learning classes to children in a school setting, providing school-based and outpatient therapy for children and adults in multiple mental health agencies and schools. I have also worked as a Group Therapist for teens/preteens in PHP/IOP Program. Through all these experiences I have gained a vast understanding and knowledge of challenges individuals and families face. I want to continue this journey by providing private individual therapy services. I seek to provide compassionate, client-centered counseling to individuals and families in communities. I seek to help individuals and families grow strong roots by encouraging clients to explore and utilize resources in their communities including family, friends, and faith-based services. I seek to help people address issues they are experiencing such as depression, anxiety, trauma, grief, and relational challenges. I will meet each client where they are and help them work through past and current pain to build a more balanced and manageable life. My goal is to support individuals and families in building healthier, more resilient lives across generations. My personal passion is to strengthen communities by increasing access to compassionate, high quality mental health care.
VirtualAvailable

$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.
VirtualAvailable

$75/session

Warm
Authentic
Intelligent
Specialties
Anxiety
Depression
Trauma and PTSD
+7
Feeling stuck, overwhelmed, or just exhausted from trying to hold everything together? You don't have to navigate it alone. I am a LCSW working with teenagers and adults who are ready to break free from cycles of overthinking and self-doubt. My approach is warm, down-to-earth, and compassionate. I tailor our sessions to fit your unique needs using practical tools from MI (Motivational Interviewing), CBT (Cognitive Behavioral Therapy), DBT (Dialectical Behavioral Therapy), and ART (Accelerated Resolution Therapy). Together, we’ll build practical tools to help you breathe easier and move forward with confidence. Outside of session, you can find me hiking (with or without my dog), playing volleyball, volunteering in my church, and relaxing at home.
Available

New to Grow

$150/session

Specialties
Anxiety
Depression
Self Esteem
+10
I am a Licensed Clinical Social Worker who enjoys working with individuals experiencing anxiety, depression, trauma, substance use, and life stressors. I strive to create a comfortable, welcoming, and judgment-free environment where clients feel safe being themselves and sharing their experiences. My approach is compassionate, down-to-earth, and focused on meeting clients where they are. I believe therapy is a collaborative process, and I enjoy helping people better understand themselves, build coping skills, work through challenges, and find practical ways to improve their overall well-being.
Available

$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

$100/session

Intelligent
Authentic
Empowering
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

$90/session

Authentic
Warm
Empowering
Specialties
Anxiety
Trauma and PTSD
Women's Issues
+7
Hello! I am a Licensed Professional Clinical Counselor in the state of Kentucky. I attended Northern Kentucky University for my degree in Psychology and attended the University of Cincinnati for my Master's degree in Mental Health Counseling. I have worked for the last 20 years in the mental health and addictions field. I work specifically with women to address areas and types of anxiety, trauma, depression, and addiction to empower them to make their lives more manageable.
VirtualAvailable

New to Grow

$128/session

Specialties
Anxiety
Depression
Insomnia/Sleep Issues
+7
Hi, I’m Ashella Fletcher, a Licensed Clinical Social Worker (LCSW) licensed in Florida, Tennessee, and Kentucky. I have several years of experience in behavioral health and help people work through anxiety, grief, trauma, and difficult life changes. I’m warm and easygoing, and I want you to feel comfortable being yourself as we talk through what’s weighing on you and find practical ways to cope.
Available

$100/session

Authentic
Warm
Solution oriented
Specialties
Obsessive-Compulsive (OCD)
Personality Disorders
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

$125/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
I have been working in this field since 2014. I am experienced in many approached and modalities including Cognitive Behavioral Therapy and Motivation Interviewing. I am offering Individual, Couples, and Family Therapy Sessions. Let’s meet and see how I can help you work through those things that are hindering you or overwhelming you. May that be trauma or life changes. How can I support you in your time of need? How can we get you Ready To Bloom?
VirtualAvailable

$90/session

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

$90/session

Warm
Empowering
Humorous
Specialties
Anxiety
Self Esteem
Trauma and PTSD
+10
Hello- I am a Licensed Professional Clinical Counselor Supervisor in KY. After providing Pastoral Counseling to my congregants for 10 years I earned my Master’s in Profession Counseling at Grand Canyon University; I wanted to not just help others spiritually, relationally, and emotionally—- but also wanted to be able to help others with their mental hurts and habits they faced on a daily basis.
VirtualAvailable

$80/session

Direct
Authentic
Empowering
Specialties
Addiction
Coping Skills
Depression
+9
I have been a therapist for over 12 years. I understand that life presents it challenges and that my job is to help you navigate those challenges so that you can live the life you deserve. You are the expert in your life I greatly appreciate you willing to let me on this journey with you. I believe that this is your journey and i am just along to give assistance on the way.
VirtualAvailable
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.