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 200 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: 9/10/2026

New to Grow

$40/session

Specialties
Family Conflict
High Clinical Acuity
Trauma and PTSD
+9
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"!
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$125/session

Solution oriented
Warm
Authentic
Specialties
Anxiety
Depression
Mood Disorders
+5
Hello, I am a Licensed Clinical Social Worker near Lexington, KY. I have 11 years experience and have worked in a community mental health center and in a counseling center at a small university. I consider it a privilege for clients to share their story with me and entrust me to help them get to where they want to be. I help clients engage in the change process and support them on their journey to becoming more healthy.
VirtualAvailable
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New to Grow

$135/session

Specialties
Anxiety
Life Transitions
I am a Licensed Clinical Social Worker providing telehealth psychotherapy to women across Indiana and Kentucky. My work focuses on anxiety, mood changes, and sleep disruption during perimenopause and menopause. I began developing this specialty after recognizing both clinically and personally how significant the neurohormonal transition of midlife can be. Perimenopause is often discussed medically, but the emotional and cognitive effects are frequently under-addressed. Through both professional experience and my own navigation of this stage, I saw a clear need for structured, evidence-based mental health care designed specifically for women in this transition. My approach is grounded in cognitive behavioral therapy and behavioral sleep strategies. Treatment is practical, collaborative, and focused on stabilizing symptoms while supporting the broader developmental shifts that occur in midlife.
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$150/session

Authentic
Intelligent
Warm
Specialties
Anxiety
Depression
LGBTQ
+5
I'm Wanda. I identify as a Black queer masc of center woman. I’m here to be like your favorite Black Queer Auntie on the porch to process what’s been holding you back to get you moving forward. I love working with BIPOC and queer people and couples. We can sip tea together or play a video game to get to the same goal. Counseling or coaching are options for getting you on your way.
VirtualAvailable
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New to Grow

$100/session

Specialties
Anxiety
Depression
Spirituality
Hello and thank you for visiting my page! My name is Bethany but I go by Beth. I am a Licensed Clinical Social Worker in the state of Kentucky. I have been providing individual, family, couples, and group therapy for 18 years. I graduated from Morehead State University in 2005 with a Bachelor's Degree in Psychology and a Bachelor's Degree in Social Work. I graduated from the University of Louisville in 2007 with a Master's Degree in Social Work. I have had a considerable range of experience over my 18 years of therapy. I have worked with all age groups and a wide variety of diagnoses. One of my particular areas of expertise is helping people with stress/anxiety. I have worked successfully with many clients who have Generalized Anxiety Disorder, panic attacks, agoraphobia, etc. I am a believer in the mind/body connection and take a holistic approach to helping people heal and improve their lives. Choosing a therapist is a very personal decision. Some of.my strengths as a therapist include excellent listening skills, a high level of compassion and empathy, patience, and a strong dedication to helping people heal. You have taken a big step in improving your life! Remember you are not alone. I am here to help!
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New to Grow

$90/session

Specialties
Coping Skills
Family Therapy
Foster Care/Adoption
+9
As a Licensed Marriage and Family Therapist with five years in private practice, I firmly believe that healing is attainable for anyone open to the process. Working from a systemic perspective, I support individuals, couples, and families as they navigate complex challenges. My areas of clinical experience include trauma, domestic violence, adoption, anxiety, depression, self-esteem, self-care, and relationship dynamics. Beyond my practice, I am a published author, a mother of two, and a grandmother of three, with a passion for music, singing, writing, art, and cooking. Having navigated life's challenges through therapy and strong support systems, I understand the transformation that recovery brings, and I would be honored to walk alongside you on your healing journey.
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New to Grow

$125/session

Specialties
Anger Management
Family Therapy
Trauma and PTSD
+10
Hello! I began my journey toward Mental Health Therapy trying to understand my husband's PTSD and finally figured out what I wanted to be when I grew up, at the tender age of 60. I received my Bacherlors Degree in Psychology at 60 and my Masters in Marriage and Family Therapy seven years ago at 65. I've been working with teenagers and adults since I graduated.
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$100/session

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

$100/session

Specialties
Addiction / Substance Use
Anxiety
Depression
+9
My name is Rhea Caudill. I am the owner of Avenues of Grace Christian Therapy Services. I have been practicing as a Marriage and Family Therapist for 17 years - being fully licensed (independent) for the last 4 1/2 years. I work with individuals, couples, children, and families as a whole. I prefer to use Cognitive Behavioral Therapy; however, I am open to other modalities too if CBT doesn't fit my client.
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$100/session

Authentic
Warm
Empowering
Specialties
ADHD
Depression
Life Transitions
+3
I am a therapist who provides a warm and steady space for clients navigating anxiety, depression, OCD, substance use, parenting stress, and major life transitions. I help people make sense of what they’re going through, feel more grounded and in control of their emotions, and move toward a life that feels lighter, clearer, and more hopeful. My approach is relational and practical, drawing on DBT, CBT, and mindfulness based strategies to support meaningful and sustainable change. I began my career in medical social work before transitioning into full-time therapy specializing in neurodivergence, emotional regulation, and life transitions. I earned my LCSW while working at UK Healthcare, and spent ten years working with a wide range of patients. Since August 2025, I have been in private practice, where I’m able to offer intentional, client centered care with a healthier work life balance. I earned my Doctor of Social Work degree from the University of Kentucky in 2026.
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$125/session

Solution oriented
Authentic
Intelligent
Specialties
Anxiety
First Responders/Healthcare Workers
Military/Veterans
+8
With over 21 years of experience in the mental health field, I am dedicated to helping adults navigate life’s challenges and find healing. As an LPCC licensed in both Ohio and Kentucky, I specialize in treating trauma, anxiety, depression, relationship struggles, and self-esteem issues. I hold a Master’s degree in Counseling from the University of Cincinnati, and my approach integrates a deep understanding of human emotion with a genuine desire to create meaningful change. My therapeutic style is warm, approachable, and often includes humor to help create an open and supportive space for growth. I use trauma-informed care and evidence-based practices to help clients process past experiences, build resilience, and reclaim their sense of safety and control. Validation, empathy, and humor are key tools I use to make healing feel not only possible but hopeful. Together, we work to foster lasting change, create healthier coping strategies, and develop a stronger, more empowered sense of self. Life’s challenges can feel overwhelming, but with the right support, transformation is always within reach. I am here to walk with you, every step of the way, toward a future filled with healing, strength, and peace.
VirtualAvailable
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New to Grow

$150/session

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

$120/session

Specialties
Anxiety
Couples Counseling
Trauma and PTSD
+8
Hi, I’m Angela Mullins, a Licensed Marriage and Family Therapist (LMFT) in Kentucky with several years of experience helping individuals, couples, and families navigate life’s challenges. My practice focuses on trauma, anxiety, depression, relationships, and personal growth, using evidence-based approaches such as EMDR, CBT, IFS, and trauma-informed therapy. I strive to create a safe, compassionate space where clients feel heard, understood, and empowered to make meaningful changes and move toward greater emotional well-being, with faith-based counseling incorporated when desired by the client.
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$90/session

Warm
Empowering
Open-minded
Specialties
Anger Management
Anxiety
Depression
+1
I am a Licensed Clinical Social Worker who is deeply committed to helping individuals feel understood, supported, and empowered in their healing journey. I work with adolescents and adults experiencing challenges related to trauma, anxiety, and depression, providing a safe and compassionate space to explore their experiences and build meaningful change. My approach is rooted in empathy and genuine connection. I believe that each person has the capacity for growth and healing, even when life feels overwhelming or painful. Through evidence-based approaches such as EMDR, CBT, and DBT, I help clients process difficult experiences, develop effective coping strategies, and gain a stronger sense of self. My goal is to support clients in moving beyond survival mode and toward a life that feels more balanced, fulfilling, and aligned with who they are. I strive to help individuals build self-worth, strengthen relationships, and feel more confident in their ability to navigate life’s challenges while embracing their authentic selves.
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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!
VirtualAvailable
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Often rebooked

$90/session

Empowering
Solution oriented
Authentic
Specialties
Anxiety
Depression
Eating Disorders
+8
I’m a Licensed Clinical Social Worker (LCSW) based in Kentucky. I understand that seeking help takes courage, and I believe that real, lasting change—though often difficult—is always possible. My approach is warm, collaborative, and grounded in mutual respect. I consider it a privilege to hear your story, support your healing process, and help you move toward the life you want to live. You deserve to feel seen, supported, and empowered—through an approach that feels right to you.
VirtualAvailable
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$135/session

Challenging
Empowering
Specialties
Anxiety
Depression
Mood Disorders
+10
I’m Royce L. Jones, MS, LPCC, MBA — a licensed professional counselor associate, Navy veteran, and mental performance consultant dedicated to helping individuals grow with intention. I specialize in working with student-athletes, high-performing professionals, and men navigating identity, leadership, and life transitions. My approach blends evidence-based practices like EMDR, mindfulness, and performance psychology with culturally responsive care to create a space that is honest, practical, and growth-focused. My goal is simple: to help you build awareness, strengthen resilience, and become the best version of yourself — on and off the field.
VirtualAvailable
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$150/session

Authentic
Warm
Intelligent
Specialties
Anxiety
Depression
Trauma and PTSD
+5
As a therapist, my goal is to help you answer the "why can't I..." questions. "Why can't I seem to get a handle on my anxiety or depression?", "why can't I seem to get out of these cycles of relationships, jobs, friendships?", "why can't I seem to get rid of these negative thoughts?". A lot of times these questions can feel like running in circles. But what if it wasn't a circle, but a labyrinth where you hit a few dead ends and need some help getting back on track? If those questions keep you up at night, my aim is to create a supportive and engaging space where we can explore these together. As a therapist with extensive training in trauma from the EMDR Institute and over 10 years in working with homeless youth and refugee populations, I have helped many individuals find answers to those questions. I offer online Eye Movement Desensitization Reprocessing (EMDR) therapy, Cognitive Behavioral Therapy and Ketamine Assisted Psychotherapy. With starting Revival Therapeutic Services, our goal is to provide affordable, trauma-focused and LGBTQ + affirming online and in person therapy. If you've ever struggled with any of those "why can't I..." questions or are struggling with adjusting to life after a traumatic experience, I invite you to reach out.
VirtualAvailable
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$100/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Life Transitions
+5
Sometimes it feels like the actual apocalypse is just around the corner. We are bombarded with terrible headline after terrible headline. Inflation is making it harder to pay the bills, let alone have fun, or reach our dreams. With so much going on in the world, it’s no wonder that there are greater rates of anxiety and depression! In the midst of it all, you might be trying to figure out who you are, what you want from life, how to have that honest conversation with your friend, setting boundaries with a parent, whether to switch jobs, learning to be more comfortable in your skin, etc. It’s a lot to manage. I can help. I am a licensed psychologist and consider myself a generalist with a wide variety of clinical interests including issues related to family of origin, self esteem, identity development, issues related to oppression and marginalized identities, depression, anxiety, stress, and interpersonal relationships.
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$90/session

Warm
Authentic
Open-minded
Specialties
ADHD
Anxiety
Trauma and PTSD
+8
Hello! 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
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$120/session

Authentic
Empowering
Warm
Specialties
Addiction
LGBTQ
Trauma and PTSD
+10
Hello! Are you having trouble finding balance in life? Do you find it difficult to make your actions and intentions align? Are you struggling to connect to people in meaningful ways? I help people find more calm, peace and headspace in life. I will always meet you right where you are. As our starting point, we will identify what is keeping you from being the best version of yourself. I am passionate about integrating mindfulness, yoga and education about our nervous system to develop a stronger relationship with yourself. Whether you’re dealing with overwhelm, relationship issues, a traumatic past, increased substance use, or cycles of anxiety and depression, I’m here to help. I offer a non-judgmental space, using evidence-based treatments where you may heal and grow.
VirtualAvailable
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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.
VirtualAvailable
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$65/session

Authentic
Solution oriented
Warm
Specialties
Anger Management
Anxiety
Depression
+5
I have worked in Counseling and Human Services for 20yrs. I have been a Licensed Professional Counselor in Lexington Kentucky since 2015. My goal is to provide a non-judgmental environment for clients to openly share their experiences. Cognitive Behavioral Therapy is the foundation of my treatment approach as I assist clients with identifying negative thinking patterns that support anxiety and depression.
VirtualAvailable
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$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
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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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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.