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

Availability updated: 8/14/2026

$125/session

Authentic
Warm

Specialties

ADHD
Anger Management
Anxiety
+10
I am a Licensed Professional Clinical Counselor with a passion for helping individuals and families heal from past experiences, develop healthy communication patterns, establish boundaries, and operate within a safe, loving dynamic. I am a certified trauma-informed care provider. I specialize in anxiety, depression, and trauma disorders. I believe your ability to grow lies within you. I look forward to working with you. Contact me to begin your healing journey today. Immediate openings for new clients.
VirtualAvailable
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New to Grow

$100/session

Specialties

Addiction
ADHD
Personality Disorders
+10
I'm a Licensed Professional Clinical Counselor who is passionate about helping people find hope, healing, and lasting growth. I work with adults who feel stuck in patterns that are difficult to break, whether that's substance use, difficulty focusing, overwhelming emotions, or other life challenges. I believe meaningful change happens when you have the right support and a safe space to be yourself. My goal is to help you better understand yourself, build practical skills, and create lasting change that carries into your everyday life.
Available
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$100/session

Authentic
Empowering
Warm

Specialties

Anxiety
Depression
Life Transitions
+5
Sometimes it feels like the actual apocalypse is just around the corner. We are bombarded with terrible headline after terrible headline. Inflation is making it harder to pay the bills, let alone have fun, or reach our dreams. With so much going on in the world, it’s no wonder that there are greater rates of anxiety and depression! In the midst of it all, you might be trying to figure out who you are, what you want from life, how to have that honest conversation with your friend, setting boundaries with a parent, whether to switch jobs, learning to be more comfortable in your skin, etc. It’s a lot to manage. I can help. I am a licensed psychologist and consider myself a generalist with a wide variety of clinical interests including issues related to family of origin, self esteem, identity development, issues related to oppression and marginalized identities, depression, anxiety, stress, and interpersonal relationships.
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$100/session

Warm
Empowering
Authentic

Specialties

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

$90/session

Specialties

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

$70/session

Specialties

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

$100/session

Specialties

Addiction
Anxiety
Chronic Illness
+6
Starting therapy can be daunting, but I’m honored you’re considering me. My goal is to create a welcoming space where you feel comfortable being yourself. I’m a Licensed Clinical Social Worker (LCSW) dedicated to helping adults navigate life’s challenges with compassion, curiosity, and evidence-based care. I specialize in chronic illnesses, anxiety, depression, and issues of codependency/addiction. I understand that managing a chronic health condition can affect all aspects of life, and you don’t have to face those challenges alone. My approach is warm, collaborative, and tailored to your needs. Therapy isn’t about “fixing” you—it’s about helping you understand yourself, build on your strengths, and develop practical tools to overcome challenges.
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$45/session

Authentic
Warm
Empowering

Specialties

Anxiety
Grief
Trauma and PTSD
+3
Do you ever feel stuck? Do the negative beliefs you have ever hold you back—make you feel like you can’t move forward? Not sure what to do next? Sometimes life can throw you a curveball and when it does, I’m here to help. My name is Carol Poston. I’ve been a Marriage and Family Therapist for over 11 years. I am an experienced EMDR therapist and have witnessed the power of that modality to transform the life of my clients. I have extensive experience with grief and loss with 8 years of experience as a hospice bereavement counselor and chaplain. I understand the importance of religious beliefs on personal development and growth. My therapeutic style is shaped by my hospice experience. Every moment is critical. It’s not simply the case of making the most of each moment. It is indeed that this moment, this day, this session, is the most important. Being present and bearing witness to my client’s pain in this moment is what matters. In our sessions we manage the urgent but focus on what is most important. You are the expert in your own life--I am the professional guide here to help navigate your way through this difficult time. I am excited that you are considering me to be your guide to help you chart a new course for your life.
VirtualAvailable
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$100/session

Empowering
Authentic
Intelligent

Specialties

Anxiety
Depression
Life Transitions
+8
Hi, I'm Megan, a Licensed Clinical Social Worker in Louisville, Kentucky with over 15 years of experience in the field of mental health. I offer daytime and some evening telehealth services to adults as they manage issues related to stress, relationships, anxiety, and depression. I specialize in treating anxiety disorders and am trained in Acceptance and Commitment Therapy (ACT), an evidence-based form of psychotherapy that uses acceptance, mindfulness, and behavior modification strategies to alleviate symptoms of anxiety and increase psychological flexibility. While I have experience providing treatment for diverse populations and needs, my focus remains on helping individuals navigate through their anxiety and stress. My therapeutic approach is collaborative and supportive. I believe in working together to help you discover the best, healthiest, and most authentic version of yourself. Through support, skill-building, and evidence-based therapeutic interventions, we can work together to help you achieve your goals and find balance. You deserve to find relief, know peace, and achieve happiness. I look forward to working with you and supporting you on your journey to well-being. If you're ready to take the next step, let's connect and start this journey together
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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.
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$120/session

Authentic
Empowering
Open-minded

Specialties

Perinatal Mental Health
Postpartum
Women's Issues
+10
Every woman deserves to feel powerful in her own life. We forget how strong, resilient, and deeply worthy we really are, whether you're in the thick of new motherhood, grieving a loss that changed everything, running on empty, or simply tired of feeling like you're not enough. Wherever you are, you are already enough. And I'm here to help you see it, feel it, and reclaim it. Hey there! I'm a Licensed Professional Clinical Counselor Supervisor (LPCC-S) with over 12 years of experience dedicated to supporting and empowering women through life's transitions-because life is always life-ing. My specialty is perinatal mental health. As a certified Perinatal Mental Health Specialist (PMH-C) through Postpartum Support International, I walk alongside women through pregnancy, postpartum, the fourth trimester, traumatic birth, and loss-the seasons that change you in ways no one fully prepares you for. I support women navigating: Perinatal and postpartum depression and anxiety Perinatal OCD and traumatic birth Mother and infant attachment Parenting in recovery Pregnancy and infant loss and grief The fog of depression, anxiety, or stress blocking your path back to yourself Burnout from expectations you never should have carried alone Compassion fatigue — for the helpers, healers, and caretakers who pour from an empty cup Grief of a person, relationship, lifestyle, or a version of yourself Life. The deep, bone-tired desire to stop surviving and start healing Fresh endings and new beginnings This is an inclusive, affirming space that celebrates all backgrounds, identities, and family structures. You belong here-exactly as you are.
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New to Grow

$100/session

Specialties

Coping Skills
Life Transitions
Self Esteem
+9
Si estás pasando por momentos difíciles que te causan angustia, puedo ayudarte. El objetivo de cada sesión es que adquieras una nueva perspectiva sobre tus desafíos personales, reconozcas los recursos disponibles en ti misme y en tu entorno, redefinas el significado de tu vida, y vivas a plenitud. Soy psicoterapeuta y evaluadora psicológica bilingüe, autorizada para ejercer la psicología y consejería en el estado de Kentucky. Presto servicios a la comunidad como especialista de la salud mental con más de 10 años de experiencia en diversos enfoques: ofrezco psicoterapia y evaluaciones psicológicas en inglés y español para adolescentes y adultos. Espero servirte -------------------------------------------------------------------------------------------- If you are going through difficult times that are causing you distress, I could be of help to you. The goal of each session is for you to gain a new perspective on your personal challenges, recognize the resources available within yourself and your environment, redefine the meaning of your life, and live it to the fullest. I am a bilingual psychotherapist and psychological assessor authorized to practice counseling and psychology in the state of Kentucky. I serve the community as a mental health specialist with more than 10 years of experience in various approaches: I offer psychotherapy and psychological assessments in English and Spanish for adolescents and adults. --------------------------------------------------------------------------------------------
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$95/session

Empowering
Authentic
Warm

Specialties

Anxiety
Obsessive-Compulsive (OCD)
Women's Issues
+1
Hello! My name is Amaris, and I’m glad you’re here :) Do you ever feel like you’re carrying more than your share — emotionally, mentally, or relationally? Do you find yourself doubting your needs, overthinking decisions, or feeling responsible for everyone else’s wellbeing? Many women move through the world with expectations and pressures that shape how they show up. My work focuses on helping women understand the “why” behind their emotions and behaviors so they can move through life with more clarity, confidence, and self‑trust. Sometimes personal growth means recognizing that you’re either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a powerful place to begin that process.
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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!
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New to Grow

$90/session

Specialties

Anxiety
Coping Skills
Depression
+10
Hello and welcome! My name is Mistie Price and I am Licensed Professional Clinical Counselor with 24 years of experience. Taking the first step to start therapy requires courage and so I first want to commend you for taking that step. My practice is built on the belief that you deserve a safe, non judgmental space to explore what ever life challenges you are facing. I combine my years of clinical experience with the evidence based methods and practices for a collaborative and compassionate approach to help you reach your goals! I primarily work with adults of all ages; however I do have 14 years of experience in working with children and adolescents. Because this is a virtual practice I will accept clients ages 17 and up. We can work together to navigate any issues or challenges you may be facing. I have two decades of experience working with a variety of mental health disorders including but not limited to; Depression, Anxiety, Mood Disorders, ADHD, PTSD, Domestic Violence, and Substance Abuse.
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$100/session

Warm
Authentic
Intelligent

Specialties

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

$100/session

Specialties

Anxiety
Depression
Trauma and PTSD
+7
I’m a Licensed Professional Clinical Counselor (LPCC) in Kentucky and a Licensed Clinical Professional Counselor (LCPC) in Maryland, and I work with children, adolescents, and adults who are going through emotionally heavy or overwhelming seasons of life. My goal is to offer a space that feels safe, steady, and genuinely human where you don’t have to have it all figured out, and you don’t have to carry things alone. I support clients working through trauma, anxiety, depression, stress, emotional regulation, and life transitions, using evidence-based and trauma-informed approaches like CBT, TF-CBT, DBT, and CAMS. At the heart of my work is collaboration we move at your pace, build practical coping tools together, and focus on helping you feel more grounded, empowered, and hopeful in your day-to-day life.
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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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$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!
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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.
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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.
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$90/session

Authentic
Direct
Solution oriented

Specialties

Anxiety
Coping Skills
Depression
+10
Hi, I'm Paul, a Licensed Clinical Social Worker who works with adults experiencing anxiety, depression, addiction, trauma, and life transitions. I attended the University of Cincinnati for undergraduate and Northern Kentucky for my Master's degree. I have worked in the mental health field for over twenty years and direct therapy for about twelve years. I use several types of modalities depending on the issue, including Motivational Interviewing, CBT, and Solution-Focused Therapy. I am a strong believer in general health and wellness and look forward to working with you to become the best version of yourself. Please feel free to contact me if you need an appointment outside my available hours.
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Often rebooked

$75/session

Authentic
Warm
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.
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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.
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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.