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 161 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: 2/26/2026

Often rebooked

$95/session

Solution oriented
Open-minded

Specialties

Anxiety
Family Therapy
Obsessive-Compulsive (OCD)
+10
Hi! I'm Hannah, an LCSW who has been working in community mental health for over five years and chose the mental health field after engaging in a positive therapeutic experience myself to address anxiety. I am dedicated to providing an accepting environment in which clients can explore and analyze their feelings, experiences, and behaviors in order to achieve the goals they set for themselves. I pride myself on my ability to connect with others in a wide variety of interests and help others feel more comfortable in not only opening up in sessions but also more comfortable with themselves.
VirtualAvailable
No reviews yet
No reviews yet

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

$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

$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

Often rebooked

$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

$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

$80/session

Solution oriented
Warm
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
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

$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

$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

$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

$85/session

Humorous
Authentic
Warm

Specialties

Mood Disorders
Recent Hospitalization
Trauma and PTSD
+7
Hi! My name is Vanessa Sewell. I am a Licensed Professional Clinical Counselor and the owner of Boheme Holistic Clinical Services. I received my Bachelor's Degrees in Psychology and History from Western Kentucky University and my Master's Degree in Counseling and Human Development from Lindsey Wilson College. I am currently a doctoral student in Lindsey Wilson University's Counselor Education and Supervision program (and yes, they changed their name). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, and inpatient behavioral health settings for the last 5+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable

$135/session

Authentic
Warm
Humorous

Specialties

Anxiety
Coping Skills
Depression
+9
My name is Faith, and I am passionate about helping people find hope, healing, and balance in the midst of life’s challenges. I work with individuals who are struggling with stress, anxiety, depression, mood difficulties, and low self-esteem, and I believe therapy is not just about managing symptoms—it’s also about discovering your strengths, building resilience, and creating meaningful change. As a therapist, I bring warmth, compassion, and practical guidance into each session. I am committed to creating a safe, supportive, and nonjudgmental space where you can be fully yourself. My role is to walk alongside you, encourage you, and empower you to move toward the healthier, more fulfilling life you desire. For those who wish, I also offer faith-based counseling as part of the journey. Change is possible—and with support, you can create the healthier, more balanced life you deserve.
VirtualAvailable

$100/session

Open-minded
Authentic
Warm

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
No reviews yet
No reviews yet

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

$125/session

Specialties

Addiction
Anxiety
Depression
+10
Life isn’t meant to be just about survival—you deserve more than just getting by. I’m here to help you discover a brighter, more fulfilling future where you can truly thrive. My name is Lauren, and I’m a Licensed Clinical Social Worker (LCSW) based in Lexington, Kentucky. With over 13 years of experience in social work and 4 years of experience as a mental health clinician, I’ve worked with individuals facing some of life’s toughest challenges. Using approaches like CBT, DBT, Solution-Focused Therapy, Psychodynamic Therapy, Acceptance and Commitment Therapy, and Mindfulness, I tailor therapy to meet your unique needs and goals. My number one priority is creating a safe, compassionate space where you feel seen, heard, and supported. I know how overwhelming life’s challenges can feel, and I believe that no one should have to face them alone. Therapy is a space where we can face the hard things together, build trust, and work toward healing. Safety and understanding are the foundation of our work because without them, true growth isn’t possible.
VirtualAvailable

$90/session

Direct
Empowering

Specialties

Anxiety
Child or Adolescent
Depression
+10
Hello! I am Susan Andersen, MSW, LISW and welcome to my profile. I have been a social worker for 26+ years and enjoy working with people of all ages to help find techniques, interventions and solutions to grow emotionally and tackle barriers and navigate through the tough parts of life. I 100% believe that this is a team approach to treatment and the work done in the therapeutic environment is directed by the individual.
VirtualAvailable

$75/session

Warm
Intelligent

Specialties

Anxiety
Crisis Intervention
Depression
+7
Hello! I'm a native Kentuckian with two degrees from the University of Kentucky including a masters in Marriage and Family Therapy. I also have close ties to Oregon where I worked for over 10 years on a crisis mental health team. I provided care and compassion to individuals who were struggling to cope through crises brought about by trauma, depression, loss, psychosis and more. My interventions were typically brief as my goal was to help folks move through their crisis and make plans for follow up care. Now I get to provide ongoing services and do a deep dive into the problems that left alone can lead to a crisis. I enjoy supporting people as they learn and discover better ways to cope and uncover their own strong sense of resilience.
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

$120/session

Empowering
Intelligent

Specialties

Addiction
Mood Disorders
Perinatal Mental Health
+9
Hello! I am a dedicated and licensed professional in Kentucky, holding qualifications as a Licensed Professional Counselor and Licensed Clinical Alcohol Drug Counselor, specializing in substance abuse treatment and mental health care. I earned my Master of Education degree from Lindsey Wilson College in December 2021 and am currently pursuing a Doctor of Philosophy in Counselor Education & Supervision from the same institution, further deepening my expertise in the field. With seven years of hands-on experience, my focus has been on empowering individuals struggling with substance abuse and alcoholism to achieve lasting recovery. Additionally, I specialize in addressing various mental health concerns, including anxiety, depression, ADHD, and mood disorders. My approach is rooted in compassion, evidence-based practices, and a commitment to providing comprehensive and personalized care to each client. I strive to create a supportive and nonjudgmental environment where individuals can explore their challenges, foster resilience, and work towards achieving their personal goals for mental wellness and a fulfilling life.
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

$130/session

Holistic
Warm

Specialties

LGBTQ
Sexual Abuse
Trauma and PTSD
+9
My passion is creating a safe, open, and non-judgmental space where you feel seen, heard, understood, and ready to explore life's challenges. I combine my clinical experiences with a genuine, compassionate relational style to help you uncover your inner strength and move towards deeper self-awareness, healing, and empowerment. I currently hold licenses as a LPC-s in Virginia and a LPCC in Kentucky. have been working in the mental health field since 2008 and I specialize in helping clients navigate and heal from trauma. I also help and encourage clients to strive to be more connected with and congruent to self: mind, body, and emotions.
VirtualAvailable

$150/session

Warm
Humorous

Specialties

Anxiety
Depression
Women's Issues
+10
Hi, I am honored you are taking time out of your busy day to consider me as your therapist. I am a Licensed Clinical Social Worker in Pennsylvania and Kentucky. I received my Masters in Social Work from Marywood University and have been practicing for 20+ years. I assist individuals like you — thoughtful, resilient, and ready to face the hard things, even when they feel confusing or uncertain - through empathy, compassion, and challenge.
VirtualAvailable
No reviews yet
No reviews yet

New to Grow

$70/session

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
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.