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 168 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: 3/13/2026

$90/session

Empowering
Authentic
Intelligent

Specialties

Obsessive-Compulsive (OCD)
Trauma and PTSD
Women's Issues
+1
Hello! My name is Amaris and I'm happy you're here :) Do you ever feel confused by your behavior? Do you act in ways that are incongruent with who you want to be? Do you struggle with self-doubt and wish you could have more confidence? There are always reasons why people do the things they do. My approach is to help alleviate shame and unnecessary guilt by helping clients understand the “why” behind their emotions and behaviors. I use a trauma-informed approach with all my clients and aim to create an emotionally safe space to explore vulnerable thoughts and feelings. Sometimes personal growth means accepting that you're either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a great place to start the healing process.
VirtualAvailable
No reviews yet
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New to Grow

$120/session

Specialties

Addiction
Couples Counseling
Depression
+10
My name is Mickey Lewis. I am a Licensed Marriage/Family Therapist (LMFT) and Licensed Clinical Alcohol/Drug Counselor. I am a member of the American Association Of Christian Counselors. I obtained my Master’s degree from Western Kentucky University. I have over 30 years of experience working in the field of Mental Health and Substance abuse. My focus in the counseling session is to assist individuals and families to become the best version of themselves that they can be.
VirtualAvailable

$90/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
As a licensed therapist in Kentucky with over three decades of clinical experience, I specialize in supporting individuals navigating the complex emotional landscape of life. My practice focuses on addressing challenges such as depression, anxiety, trauma, grief, and interpersonal relationship dynamics. I have extensive expertise in working with teens, adults, older adults, veterans, first responders, and individuals experiencing life transitions.
VirtualAvailable

$85/session

Direct
Intelligent

Specialties

Anxiety
Depression
Life Transitions
+10
Life is tough, and starting therapy is a big step- I'm glad you're here! I'm passionate about helping people navigate life's challenges. I view therapy as a safe, nonjudgmental space for exploring both challenges and successes. I have been independently licensed as a clinical social worker since 2013 and obtained my practice doctorate in 2023. I work with a broad range of individuals, including those suffering from mood disorders, anxiety, and depression. I enjoy working with people to navigate life's many stressors, including employment challenges and career transitions. I’m also passionate about supporting caregivers, who often carry unique emotional and practical challenges. My approach is warm, empathic, and collaborative—I aim to create a space where you feel truly heard and supported.
VirtualAvailable

$100/session

Authentic

Specialties

Anxiety
Couples Counseling
Family Conflict
+9
Hello! I am Samiyra a LCSW in the state of Kentucky. I received my education from the University of Kentucky where I completed my BSW and MSW. I enjoy partnering with my clients to take the difficulties of life and encouraging them to see the strength embedded inside of them. I understand that trying therapy for the first time can be scary or overwhelming. A warm and comforting provider can make any experience easier which is what I aim to do for my clients. I have experience working with couples, those struggling with addictions, trauma, anxiety, depression, suicidal thought, PTSD etc.
VirtualAvailable

$100/session

Warm
Open-minded
Authentic

Specialties

Anxiety
Coping Skills
Depression
+5
Hello. I am a follower of Jesus Christ, and I'm also a Licensed Clinical Social Worker based in Illinois. I have worked in the field of Social Work for 25 years at the Bachelor's level, including case management for at-risk youth, CPS investigations and medical social work. I received my Master's of Science in Social Work from the University of Louisville and have been practicing five years. At this time, I provide individual therapy to adults dealing with anxiety, depression and trauma among other issues. We work to recognize triggers/barriers to successful living and then learn to effectively reframe these in order to be a better version of yourself.
VirtualAvailable

$170/session

Authentic
Solution oriented

Specialties

Couples Counseling
Depression
Personality Disorders
+10
Welcome - I am glad you are here! I am accepting new Ohio and Kentucky clients via telehealth in February. Life is a complex mix of beauty and messiness, and I believe that while time passes, true healing requires intention. Our experiences—from our earliest memories to the present—shape how we move through the world. I am here to help you gently navigate those layers, understanding how your past influences your present so you can intentionally reshape your future. My Approach I provide a safe, affirming, and non-judgmental space where you are always the expert on your own life. My practice blends: Trauma-Informed & Strengths-Based Care: Honoring your history while focusing on your inherent resilience. Practical Tools: Providing actionable skills you can use outside of our sessions to support your daily well-being. Collaborative Growth: Whether you are navigating grief, trauma, or a major life transition, we will work together to build a path that reflects your unique needs. The Goal Together, we will work toward a future where you can hold compassion for your past, purpose in your present, and genuine hope for your future. You don’t have to find your footing alone.
VirtualAvailable

$70/session

Solution oriented
Authentic

Specialties

Addiction
Life Transitions
Women's Issues
+10
I earned my Master’s degree in 2022 and bring four years of clinical experience working with individuals, families, adolescents, and court-ordered clients. My background includes supporting clients navigating dual diagnoses and a wide range of mental health concerns, including substance use disorders, bipolar disorder, schizophrenia, borderline personality disorder, anxiety, and depression. I am deeply committed to ongoing growth, both personally and professionally, because I believe the best way to support others is to continually reflect, learn, and evolve. Whether you are seeking stability, clarity, healing, or deeper self-understanding, I will meet you with empathy, compassion, and a steady presence as we work toward meaningful change together.
VirtualAvailable

$150/session

Warm
Open-minded
Authentic

Specialties

Anxiety
Coping Skills
Couples Counseling
+10
Hello!! And, Welcome! Looking forward to meeting you!! I am a Licensed Marriage and Family Therapist. I am licensed in Kentucky, Indiana, Kansas, Maine, Utah, and Nevada. I received my Masters from Western Kentucky University, and have been practicing for 28 years. I help individuals, and couples to overcome "old programming", develop new and healing ways to see themselves and life, and utilize places of self-empowerment. Increasing one's relationship with oneself helps one to have greater relationships with others, and all other parts of life.
VirtualAvailable
No reviews yet
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New to Grow

$100/session

Specialties

Self Esteem
Trauma and PTSD
Women's Issues
+9
I’m a licensed professional counselor who works with adults navigating anxiety, trauma, and self-doubt. Many clients come to me when they want support that feels honest and grounding - someone who can challenge them while still feeling safe and understood. I see therapy as us walking the path together, helping you feel less alone and hopeful as we make sense of what you’ve been carrying.
VirtualAvailable

$100/session

Specialties

Anxiety
Obsessive-Compulsive (OCD)
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, trauma, parenting problems, career challenges, OCD, ADHD, and Serious Mental Illnesses.
VirtualAvailable
No reviews yet
No reviews yet

New to Grow

$155/session

Specialties

Anxiety
Life Transitions
Parenting
+4
I’m Joyce D. Scherdin, a Licensed Marriage and Family Therapist with over a decade of experience working with adults navigating anxiety, stress, life transitions, and emotional patterns that feel hard to shift. I help clients who feel overwhelmed or stuck find greater steadiness and clarity. My approach is supportive, structured, and practical — we focus on understanding what’s driving the stress while building tools you can use in everyday life. If you’re ready for honest guidance, emotional safety, and meaningful progress, we may be a good fit.
VirtualAvailable

$60/session

Specialties

Domestic Violence
LGBTQ
Trauma and PTSD
+6
Hi there, I'm a therapist who is part of the LGBTQ+ community. I strive to make the work I do a safe and caring space for my clients. I have work the past 5 years in private practice/addiction facilities. I am a License Professional Clinical Counselor and I have worked with individuals struggling with symptoms of ADHD, Autism, depression, anxiety, Disassociative Identiy Disorder, PTSD, and identity concerns.
VirtualAvailable

$100/session

Warm
Open-minded
Solution oriented

Specialties

Anxiety
Life Transitions
Trauma and PTSD
+2
I’m a mental health professional dedicated to helping individuals navigate life's challenges and enhance their well-being. Through approaches like Cognitive Behavioral Therapy and strength-based strategies, I support clients in identifying their strengths, overcoming obstacles, and achieving their personal goals. My goal is to create a safe, collaborative space where you can explore your thoughts and feelings, fostering growth and resilience along the way.
VirtualAvailable

$90/session

Warm
Solution oriented

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
No reviews yet
No reviews yet

New to Grow

$90/session

Specialties

Anxiety
Depression
Trauma and PTSD
I am a Licensed Clinical Social Worker; I have been working in the field of social work for 20 years. Since beginning my career, I have had the privilege of having many different experiences which has helped give me the working knowledge to provide great service and meet my client's needs. In the last three years my focus has been on group therapy and individual therapy for adults. My current focus is individual therapy , it has been the greatest gift to be allowed to hear the stories and be given the opportunity to help guide my clients through this journey to wellness.
VirtualAvailable

$100/session

Authentic
Open-minded
Warm

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+5
Hi I'm Leo I'm a non binary transgender man. I have my master’s degree in social work from the University of Louisville and I'm a Licensed Clinical Social worker in Indiana and Kentucky. My professional background has been working with the University of Louisville as a therapist at the Trager Institute Optimal Aging Clinic. While working at University of Louisville Trager Institute, I gained experience in treatment areas such as conversion disorders/PNES, PTSD/Trauma, anxiety, depression, grief, transgender issues, gender dysphoria and LGBTQ+ issues.
VirtualAvailable

$200/session

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

$125/session

Warm
Direct

Specialties

Grief
Life Transitions
Older Adults
+10
Hello, I am Dr. Marilyn L. Sails, the owner and licensed practitioner with Comfort Care Counseling with Dr. Sails. I am a Licensed Clinical Social Worker with over a decade of experience supporting older adults and families through life’s most tender transitions. I hold both a Doctorate in Social Work (DSW) and a Masters in Social Work (MSW) from the University of Kentucky. I have dedicated my career to helping patients navigate grief, trauma, chronic illness, and end-of-life concerns with dignity and compassion. My practice, Comfort Care Counseling, is rooted in Christian faith and designed especially for adults 50 and older. Whether we meet in my office, via telehealth or in the comfort of your home, you’ll find a safe, supportive space where emotional healing and spiritual restoration go hand in hand.
VirtualAvailable
No reviews yet
No reviews yet

New to Grow

$125/session

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

$90/session

Open-minded
Warm

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

$125/session

Specialties

Grief
Serious Mental Illness
Spirituality
+9
I am a Licensed Marriage and Family Therapist, in Kentucky. I have over 13 years of experience in healthcare and mental health. I work with individuals, families, and couples across the life span. I typically see clients ages 14 and above. I have had success with short term (3-5 sessions) and long term (weekly or bi-weekly) therapy sessions. I provide couples counseling services as a Prepare and Enrich provider, and a Gottman-informed therapist. I also offer Premarital Counseling services. I offer assessments and will work with you to advocate for your individual needs with your medical providers, workplace or school.
VirtualAvailable

$125/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Life Transitions
Women's Issues
I'm so glad you're here! I know it takes a great amount of courage to even begin looking for help. You may be wondering if anyone will understand you and what you are going through or if there is even any hope! Well there is, and I am here to help you! Hi! I'm Brenda. I'm a Licensed Professional Counselor with a background in yoga and wellness. I offer an on-line therapy office serving folks in Kentucky, New Jersey, and Michigan. Consider me your trusted guide on your path to mental and emotional well-being. You'll notice I have a down to earth nature, and strive to create a safe, non-judgmental, supportive space to unpack the early whispers of unease and the thunderstorm of overwhelming emotions.
VirtualAvailable

$90/session

Warm
Direct

Specialties

Anxiety
Depression
Grief
+4
I am a retired school counselor who began private counseling as my second career. I also have served as an educator for master's level counseling students. This has given me a lot of access to a variety of best practices. I like hearing client stories and helping them to find a better life for themselves. I like using my skills and experience to help people.
VirtualAvailable

$85/session

Solution oriented
Authentic

Specialties

Addiction
Crisis Intervention
Serious Mental Illness
+4
Welcome to GrowTherapy I'm John Warner and I'm looking forward to working with you. I'd like you to acknowledge this step that you have taken to reach out. It takes motivation, insight, and courage to seek changes in your life. I am a Licensed Clinical Social Worker based in Louisville, Kentucky and I specialize in working with people who are either struggling with Substance Abuse or Mental Health issues, or who are trying to support a Loved One who is struggling with these issues, and feels overwhelmed by the circumstances. I provide a safe and supportive environment for you to explore the issues that are concerning you now. I believe that you are the expert on the things that do and don't work in your life but when life becomes overwhelming, we can sometimes lose sight of these skills and knowledge. I have found that many people often underestimate how much they know about themselves and others, and underestimate the strength that they posess to cope with and overcome the struggles that they experience. much more about themselves than they give themselves credit for, and I see part of my role as helping you unlock this knowledge and apply it in your life in ways that work best for you. While there may be times that you feel like you are not making progress, you will find that you are making more progress than you realize. We sometimes have more difficulty seeing the progress and positive qualities than we do in others. I will help guide you to see the strength and goodness that you possess and help you to see that the overall arc of our lives bends towards improvement
VirtualAvailable
Frequently asked questions

Why filter by Kentucky rather than a city like Louisville?

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.

Will my therapist take insurance?

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.

How does the Specialty Filter work? Can I find a therapist that focuses on a specific issue?

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.

Why use Gender, Age, and Identities filters?

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.

What happens during the first therapy session?

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.