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 160 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: 2/19/2026

$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
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$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.
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$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
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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
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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.
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$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.
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$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.
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$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
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$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.
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$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
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New to Grow

$120/session

Empowering
Open-minded

Specialties

Anxiety
Couples Counseling
Self Esteem
+6
Throughout my life I have had many mentors and supports who have helped me grow as a person and as a therapist. The enjoyment of being part of helping people find a life that is fulfilling motivates me even after almost 30 years to do this work. I became a Licensed Marriage and Family Therapist because it was an approach that was strength based and free from the blame that in some way we are broken. I have learned that many things impact the choices and decisions we make and instead of focusing on what is wrong the better thing to do is find out what an individual or couple's strengths are and take those, build upon them so that the person/ couple can heal old wounds and find a better way of living. That does not mean ignoring problems, it means healing so that you can better solve your problems.
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$120/session

Authentic
Open-minded
Empowering

Specialties

Addiction
Anxiety
Depression
+17
Life isn’t always sunshine and rainbows; it can be filled with challenges, difficulties, and hardships. I believe that life is all about perspective and the way we react to problems. Our trials and tribulations are opportunities for us to grow into stronger and wiser individuals. When challenges arise, most people ask, "Why?" I encourage my clients to change their mentality by asking, "How?"—how can I use this to grow and learn, make myself smarter and wiser?" I am a firm believer in empowering clients with the tools and knowledge needed to live a more fulfilling and productive life. With 8 years of sobriety and personal experience battling my own challenges, I know how helpful therapy can be in helping a person rebuild their life and become the person they want to be.
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$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.
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$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.
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$90/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 11 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.
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$165/session

Warm
Empowering
Authentic

Specialties

Depression
Perinatal Mental Health
Women's Issues
+8
Mrs. Whiteside has worked in various mental health settings maintaining her unwavering focus on mothers and small children. As a perinatal psychotherapist, Mrs. Whiteside works with mothers and/or families who are struggling with perinatal mental illness during pregnancy and the postpartum period. Mrs. Whiteside is currently a social work doctoral student at The University of Louisville researching the impact of perinatal mood disorders, as evidence indicates that depression and other mood disorders in parents can have a harmful impact on children, including cognitive difficulties, insecure attachment, and behavioral problems.
VirtualAvailable
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New to Grow

$85/session

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.
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Often rebooked

$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.
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$125/session

Specialties

Anxiety
Bipolar Disorder
Depression
+2
As a licensed therapist in Missouri, Kentucky, and New Jersey, I bring 25 years of compassionate clinical experience supporting individuals through complex life transitions and emotional challenges. My approach centers on creating a supportive, non-judgmental space where clients can explore their inner experiences and develop meaningful strategies for personal growth. I specialize in addressing a wide range of mental health concerns, including depression, anxiety, self-esteem challenges, LGBTQ+,and life transitions. My therapeutic work focuses on helping individuals navigate complex emotional landscapes, from workplace stress to relationship dynamics, with particular expertise in supporting young adults, caregivers, and those experiencing significant personal transformations. My practice is deeply committed to understanding each client's unique journey. I offer a progressive, affirming approach that honors individual experiences and empowers clients to develop stronger self-understanding, communication skills, and emotional resilience. Whether you're struggling with social anxiety, processing major life changes, or seeking deeper self-connection, I'm dedicated to walking alongside you with empathy and professional guidance. Good Karma to all....
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$110/session

Authentic
Warm
Intelligent

Specialties

Addiction
Anxiety
Depression
+9
After 30+ years in executive roles at leading hospitals and health systems—including Kaiser Permanente, Mount Sinai, and Northwestern Memorial—I’m thrilled to launch my private therapy practice. My career has always focused on helping people thrive, whether by supporting families and or individuals during tough times or developing talent. I grew up in Chicago’s Rogers Park, shaped by its culture and my father’s resilience as a Holocaust survivor. His stories taught me empathy and strength—values I bring to every client interaction. I hold an MSW from Loyola University, am licensed in AZ, FL, IL, KY, NM, and WV, and earned an MBA from North Park University plus an executive management certification from USC. Life has taken me across the U.S. and abroad, enriching my perspective. Outside work, I love traveling, hiking, reading, and exploring art. Married for 40+ years, I live in New Mexico with my British wife and our Yorkie, Kugel. My philosophy: positivity, confidence, and persistence—never give up on yourself.
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$125/session

Warm
Intelligent
Solution oriented

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.
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$70/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Grief
Military/Veterans
+8
I am career Clinical Psychotherapist devoted to aiding individuals, couples, adults. teens, families, and veterans suffering emotional stress and mental health issues. My priorities focus on persons experiencing anxiety, mood disorders, relationship and communication problems, grief and trauma recovery. I am committed to illustrating how the vital quality of resilience can be acquired through learned coping skills and accurate self=perception. Activating improvement plans, achieving goals, and building confidence are the center of my person-centered counseling.
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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.
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$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.
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$125/session

Humorous
Authentic

Specialties

LGBTQ
Trauma and PTSD
Women's Issues
+10
I am passionate about providing trauma-informed services to clients. I believe that healing is available for everyone and that we all have room to grow. I'd love to help you along your journey. I offer a safe space for those in marginalized communities, including LGBTQIA+ clients. I love working with trauma because of the great deal of healing that therapy can provide. It’s amazing to see the changes in people’s lives when trauma is no longer holding them back!
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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.