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 190 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: 6/11/2026

New to Grow

$150/session

Specialties

Anxiety
Couples Counseling
Perinatal Mental Health
+6
With extensive experience in high-acuity clinical settings, I've worked with individuals navigating complex psychological challenges across diverse environments. This clinical background has strengthened my ability to provide thoughtful assessment, trauma-informed care, and steady guidance for families navigating the emotional transitions of pregnancy, postpartum, and parenthood. clinical approach is uniquely enriched by my background as a 500-hour Registered Yoga Instructor, integrating somatic awareness, nervous system regulation, and mindfulness practices into traditional psychotherapy. This integrative model bridges the science of Western psychology with body-based healing practices, offering clients a deeper pathway toward emotional regulation, resilience, and restoration. At the heart of my work is a commitment to generational healing and family wellness. By blending clinical expertise, somatic awareness, and culturally responsive care, I support individuals and families as they navigate parenthood, strengthen relationships, and cultivate sustainable well-being.
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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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$100/session

Holistic
Intelligent

Specialties

Parenting
Trauma and PTSD
Women's Issues
+9
My name is Alex Rentel. I have been a counselor since 2019, but been in the mental health field in other roles since 2017. I have worked with many humans from many different backgrounds with an array of different struggles. I enjoy listening to stories whether it be from another human or my audiobook. I teach yoga and enjoy being outside when the weather is nice. I am a mother and a wife and believe that my life experiences help make me the therapist that I am.
VirtualAvailable
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$90/session

Warm
Empowering
Humorous

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
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$125/session

Authentic
Warm

Specialties

Anxiety
Depression
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

$120/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
The one question I get most often by clients and peers is: Why did you go into the counseling profession? My response is always the same. First, I have always had a desire to help people in a time of need or distress. I have felt this way as far back as high school. Secondly, I went through a debilitating anxiety disorder in my mid-twenties. I know first-hand the helplessness and desperation mental and emotional pain causes. I never condone a therapist sharing with a client, they know how the client feels unless they themselves have experienced a similar type of pain. Lastly, I believe in the power of counseling and the benefits it can offer. Counseling is very different from medicine. Counseling requires the client to be actively involved in the process of healing and growth rather than taking medication and waiting for it to work. Counseling empowers a client to by allowing them to see their progress towards the life they desire on a daily, weekly, and even monthly basis.
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$150/session

Solution oriented
Authentic
Empowering

Specialties

Anxiety
Depression
Women's Issues
+6
Hello, my name is Ebony and I specialize in women's mental health. I have over 14 years in the social work field, working with diverse populations in various settings. I have 6 years providing clinical work to individuals, families and groups. Currently, I help women harness their strengths, build resilience, and embrace their authentic selves! I help women learn healthier thinking processes, work through their traumas, build self-esteem, build skills to improve communication, boundaries, and management of stressors. I believe that all women deserve a safe space to heal and grow. I am here to empower you, help improve your resiliency and mental well-being through improved boundary setting, coping skills, emotional regulation skills, etc. Don't wait, reach out today to start your mental health journey!
VirtualAvailable
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$90/session

Authentic
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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$85/session

Authentic
Solution oriented
Intelligent

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
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$100/session

Solution oriented
Authentic
Warm

Specialties

ADHD
Anxiety
Grief
+4
I'm a dedicated therapist with several years of experience serving in Central Kentucky from 2018-2026. I've had the privilege of working with adolescents in school settings and individuals in rural areas. My experience has allowed me to help clients navigate a wide range of challenges, including anxiety, depression, relationship issues, ADHD, and grief. I'm committed to providing a safe and supportive space where you can explore your emotions, gain insights, and develop effective coping strategies.
VirtualAvailable
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New to Grow

$150/session

Specialties

ADHD
Anxiety
Depression
I’m a Licensed Clinical Social Worker who helps individuals and couples work through anxiety, depression, ADHD, and relationship challenges. I take a straightforward, practical approach to therapy—focusing on real-life tools that help you think more clearly, manage emotions, and improve your daily life. I enjoy working with clients who are ready to grow, take ownership, and make meaningful changes. For those who want it, I also offer faith-based counseling and help clients incorporate their Christian beliefs into the healing process.
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$165/session

Humorous
Warm
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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$125/session

Solution oriented

Specialties

Couples Counseling
Depression
Family Therapy
+3
Hello, my name is Ginger Van Meter. I look at each individual as an iceberg! There's a tiny piece of ice you can see on the surface but down below and much deeper is a giant piece of ice that no one can see. That giant piece of ice represents all the stressors, emotional and mental health concerns that go back many years. Sometimes childhood trauma or even current events can create problems that we just can't seem to solve. I will help you to break that ice down and possibly even melt the ice. I always strive to do the best I can do to provide relief and comfort and help life become more manageable.
VirtualAvailable
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$170/session

Solution oriented
Authentic
Warm

Specialties

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

$150/session

Specialties

Anger Management
Anxiety
Peer Relationships
+10
Hello, my name is Jill Collins a licensed clinical therapist who is passionate about helping individuals navigate life’s challenges and build meaningful, fulfilling lives. I believe that everyone deserves a space where they can feel heard, understood, and supported without judgment. My approach is collaborative and tailored to your unique needs, focusing on helping you develop insight, resilience, and practical tools for change. I look forward to walking alongside you in your journey toward healing and growth.
VirtualAvailable
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$135/session

Solution oriented
Authentic
Intelligent

Specialties

Grief
LGBTQ
Sexual Abuse
+10
Life has a way of pulling the ground out from under us — a career shift, a relationship ending, a loss, or simply the quiet feeling that who you used to be no longer fits. I've been there too, and that lived experience is at the heart of how I show up for my clients. I'm a licensed therapist with over a decade of experience helping adults find their footing during some of life's most disorienting chapters. My approach is collaborative and grounded — I don't believe in one-size-fits-all answers, so we'll work together to understand your unique story and build a path forward that actually feels like yours. Whether you're wrestling with anxiety, standing at a crossroads, or just feeling stuck in a life that no longer seems to fit — this is a space where you don't have to have it all figured out. Just come as you are.
VirtualAvailable
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$120/session

Authentic
Humorous
Open-minded

Specialties

Coping Skills
Depression
Serious Mental Illness
+10
My name is Michael Holmes, Jr., and I am a Licensed Professional Clinical Counselor (LPCC) in Kentucky and Licensed Professional Counselor (LPC) in Georgia providing telehealth therapy for adolescents and adults. I have over 7 years of experience in the mental health field and specialize in anxiety, depression, grief, trauma, emotional regulation, interpersonal effectiveness, mindfulness, anger management, and self-esteem. I utilize evidence-based approaches including CBT, DBT, ACT, Reality Therapy, Solution-Focused Therapy, and Motivational Interviewing. I have also completed certifications in Youth Mental Health, Integrative Sex Therapy, and Complex Trauma.
VirtualAvailable
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$175/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. **Private‑pay rates vary by state; Kentucky residents receive a reduced rate.**
VirtualAvailable
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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.
VirtualAvailable
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$80/session

Authentic
Direct
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
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$127/session

Authentic
Humorous
Solution oriented

Specialties

Addiction
Anxiety
Couples Counseling
+10
Hello my name is, Chris. I am a Licensed Clinical Social Worker with 15 years of experience in counseling interventions with children, adults, and families. I have a successful history in helping clients with stress and anxiety, coping with addictions, parenting issues, motivation, self esteem, & confidence. I pride myself in being a partner in you developing a new way to see and interact in reality.
VirtualAvailable
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$150/session

Authentic
Warm
Open-minded

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

Warm
Direct
Empowering

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

$80/session

Specialties

Anxiety
Child or Adolescent
Coping Skills
+7
I’m Christa, a Licensed Professional Clinical Counselor–Supervisor dedicated to creating a safe, affirming, and collaborative space for healing. I enjoy working with clients navigating life transitions, relationship challenges, and concerns related to sexuality or other deeply personal topics. My style is open, nonjudgmental, and solution‑focused, helping you identify strengths, build insight, and move toward meaningful change. I believe therapy should feel supportive, empowering, and grounded in practical strategies that fit your life.
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Often rebooked

$100/session

Solution oriented
Authentic
Direct

Specialties

Anxiety
Anger Management
Coping Skills
+8
The journey of life can bumpy, confusing, frustrating, and unpredictable. Hello, I'm Dr. Suzann O'Koon, a licensed psychologist with 30 years of experience. I'm a mother and grandmother, who, at mid-life, returned to graduate school to pursue my the next step on my life journey. I had been an elementary school teacher, a community volunteer, and then a stay-at-home mom. I am sharing this with you because transitions and change can be difficult at times, and I've been there: done that!.
VirtualAvailable
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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.