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 193 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: 5/21/2026

$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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Often rebooked

$100/session

Solution oriented
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Depression
+9
Hi, I’m Chelsea, a Licensed Clinical Social Worker who works with adolescents and adults navigating anxiety, stress, trauma, and life transitions. I use evidence-based approaches including Cognitive Behavioral Therapy (CBT), Acceptance and Commitment Therapy (ACT), and DBT-informed strategies to help clients understand their thoughts and emotions, develop healthier coping skills, and move toward meaningful change. My approach is collaborative, practical, and tailored to each person’s unique goals and strengths.
VirtualAvailable
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$120/session

Humorous
Authentic
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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$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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$85/session

Solution oriented
Authentic
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

Warm
Authentic
Empowering

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
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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.
Available
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$115/session

Empowering
Solution oriented

Specialties

Depression
Grief
Life Transitions
+2
Welcome, I am glad you're here. Reaching out for help can be scary and I applaud you taking this first step. My goal with therapy is to provide a space where you feel comfortable being yourself, where you can talk openly, feel heard and begin to work through what has been weighing on you. I see therapy as a collaborative effort to find what works for you to feel stronger, more balanced and ultimately, more connected to what matters most to you in a world that often seems "un-connected". With more than 20 years of experience in social work and behavioral health, I have had the privilege of supporting individuals and families through a wide range of challenges. My professional background includes work in hospitals, nursing facilities, home health and hospice care, where I provided compassionate support to individuals coping with aging, illness, grief and major life transitions. My experience includes supporting families involved in protective services, working with families navigating difficult circumstances. Across all settings, my focus has remained on providing client-centered care while helping individuals and families build stability, resilience, and hope. I have both a Bachelors and a Masters in Social Work. In my lifetime I have been a daughter, sister, partner, wife, mother (to both human and fur baby) and friend.
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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$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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New to Grow

$75/session

Specialties

Anxiety
Coping Skills
Peer Relationships
+10
Hi, I’m a Licensed Clinical Social Worker dedicated to helping children, adolescents, and families navigate anxiety, trauma, behavioral challenges, and life’s stressors with compassion and practical support. I use a warm, collaborative, and strengths-based approach to help clients build coping skills, improve emotional wellness, and move toward healing and growth. I strive to create a safe, supportive space where clients feel understood, empowered, and equipped with tools for lasting change. For clients who desire it, I also welcome integrating Christian faith into the counseling process as part of holistic healing.
Available
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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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New to Grow

$150/session

Specialties

ADHD
Anxiety
Career Counseling
+10
My name is Feryal (pronounced Fur-yal) Katsikas (pronounced Cat-see-kus) M.A. LPCC. I have been practicing mental health counseling for the past 7 years. Prior to working in mental health, I have years of experience in travel and make-up artistry. I've always known that I wanted to help others. I'm fascinated by the human mind and how our experiences shape who we are today. I believe we have the power to choose our authentic selves, regardless of background, and that music, movement, and nutrition contribute to better mental health.
VirtualAvailable
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Often rebooked

$100/session

Authentic
Warm
Empowering

Specialties

Perinatal Mental Health
Trauma and PTSD
Women's Issues
+6
You made it here so you are one step closer to getting the help you deserve. Congratulations! I am a LCSW based out of Southern, Kentucky but originally from Middle Tennessee. I made my way to the beloved Commonwealth of Kentucky to complete my undergraduate degree, Applied Human Sciences with a focus on family and child studies, at Western Kentucky University (WKU). Go Tops! I liked WKU enough that I stuck around for another two years where I completed my Masters in Social Work. Unfortunately I was not granted a wand with my degree to make everyone's life magically better but I was granted the opportunity to help every client I serve. As your therapist I promise to respect, support, and collaborate with you to establish the best way to navigate through the trials and tribulations of life.
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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$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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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.
Available
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$200/session

Authentic
Direct
Empowering

Specialties

Trauma and PTSD
Anxiety
Depression
Demetria is a Louisville native and a University of Louisville Alumni. Her bachelors degree is in Political Science which she received from the University of Louisville in 2017. She later received her masters degree in 2020 from Lindsey Wilson College in Human Development, specializing in Clinical Mental Health Counseling. Demetria is currently a PhD-ABD doctoral student at Capella University in Counselor Education and Supervision. She was a 2023 nominee for 'wellness professional of the year' due to her continuous passion for serving her clients and supporting her colleagues alike. Demetria enjoys helping her clients identify the barriers in their journey to becoming their ideal selves. Then, assisting them with overcoming those barriers in most areas of their lives. Counseling can be a rewarding experience, and she is excited to be a part of her client's journey.
VirtualAvailable
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New to Grow

$100/session

Specialties

Anxiety
Spirituality
Trauma and PTSD
+2
Are you exhausted from feeling anxious, overwhelmed, or emotionally stuck? I help children, teens, and adults heal from trauma using EMDR, attachment-focused, and faith-sensitive therapy. I integrate evidence-based approaches like CBT and EMDR with a compassionate, grounded style, and I offer faith-based counseling for those who want to include their Christian beliefs in the healing process. My goal is to create a safe, supportive space where you can experience clarity, peace, and lasting change.
VirtualAvailable
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$135/session

Solution oriented
Authentic
Intelligent

Specialties

Grief
LGBTQ
Sexual Abuse
+10
Hello, I am Joe Kephart, LCSW, a licensed clinical social worker based in Lexington, Kentucky. I bring over 20 years of leadership experience and a strong background in mental health, social work, and supportive care. I’ve worked in private practice and healthcare settings, providing psychosocial assessments, treatment planning, and integrated care. I specialize in working with: Restaurant and Hospitality Workers, from executives to hourly employee, struggling with burnout, addiction, anxiety/stress, or work-life imbalance, Grief & Loss – including divorce, illness, and non-death losses, LGBTQ+ Clients – affirming, inclusive, and identity-supportive therapy, and Adult Survivors of Childhood Sexual Abuse & Trauma. I earned my Master of Social Work from the University of Kentucky, and I’m passionate about helping people navigate life’s challenges with compassion, collaboration, and practical support. Everyone deserves to be seen, heard, and supported — especially in the moments when life feels overwhelming, complicated, or painful. I specialize in helping adults navigate grief, addiction, trauma, and identity with compassion and clarity. My practice is grounded in creating a safe, judgment-free space where you can explore difficult emotions, reclaim your voice, and begin to heal. I blend evidence-based practices such as trauma-informed CBT, mindfulness, and narrative therapy with a relational, person-centered approach. You’ll find me warm, honest, and direct — someone who will walk alongside you with both empathy and accountability. Healing is hard work, but you don’t have to do it alone. If you’re ready to begin or continue your journey, I’m here to help.
VirtualAvailable
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$120/session

Authentic
Humorous
Open-minded

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
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$90/session

Authentic
Empowering
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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Often rebooked

$125/session

Authentic
Intelligent
Warm

Specialties

Addiction
Anxiety
Depression
+7
I have over 12 years of experience in behavioral health, supporting individuals in both inpatient and outpatient treatment. I work with people navigating anxiety, depression, anger, family stress, and substance use, as well as those who feel stuck or uncertain about their next steps. My approach is compassionate, collaborative, and focused on creating a safe space where clients feel heard and supported.
VirtualAvailable
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$90/session

Authentic
Solution oriented
Challenging

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
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$100/session

Solution oriented
Warm
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.
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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.