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 202 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.

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LexingtonLouisville

Availability updated: 9/16/2026

New to Grow

$100/session

Specialties
Addiction / Substance Use
Personality Disorders
Serious Mental Illness / Crisis
+8
My name is Charlotte Marlow, and I am a Licensed Professional Clinical Counselor (LPCC) who provides telehealth services in Kentucky. I offer both weekend and evening availability. I specialize in working with individuals who are navigating mental health challenges, substance use, and life transitions. I help by creating a supportive, nonjudgmental space where clients can explore their thoughts and emotions while building practical skills for lasting change.
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$150/session

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

$90/session

Specialties
Coping Skills
Family Therapy
Foster Care/Adoption
+9
As a Licensed Marriage and Family Therapist with five years in private practice, I firmly believe that healing is attainable for anyone open to the process. Working from a systemic perspective, I support individuals, couples, and families as they navigate complex challenges. My areas of clinical experience include trauma, domestic violence, adoption, anxiety, depression, self-esteem, self-care, and relationship dynamics. Beyond my practice, I am a published author, a mother of two, and a grandmother of three, with a passion for music, singing, writing, art, and cooking. Having navigated life's challenges through therapy and strong support systems, I understand the transformation that recovery brings, and I would be honored to walk alongside you on your healing journey.
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$125/session

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

$135/session

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

$100/session

Specialties
Anxiety
Depression
Life Transitions
+10
I am a licensed therapist who works with individuals seeking support for anxiety, depression, stress, relationship concerns, life transitions, and personal growth. As a clinician with 9+ years of providing social work services to several client populations, including individuals diagnosed with substance use disorder and severe mental illness classifications, I bring both professional expertise and cultural awareness to my work. I believe therapy is a partnership, and I am committed to helping clients navigate challenges, strengthen coping skills, and achieve their personal goals in a welcoming and respectful environment.
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Often rebooked

$90/session

Empowering
Solution oriented
Authentic
Specialties
Anxiety
Depression
Eating Disorders
+8
I’m a Licensed Clinical Social Worker (LCSW) based in Kentucky. I understand that seeking help takes courage, and I believe that real, lasting change—though often difficult—is always possible. My approach is warm, collaborative, and grounded in mutual respect. I consider it a privilege to hear your story, support your healing process, and help you move toward the life you want to live. You deserve to feel seen, supported, and empowered—through an approach that feels right to you.
VirtualAvailable
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$120/session

Authentic
Intelligent
Humorous
Specialties
Addiction
ADHD
Trauma and PTSD
+5
So, here we are. Life’s a bit of a mess, isn’t it? Maybe it feels like you’re starring in a horror movie, except no one handed you the script. I’m Kandace Barkham, and I help people like you. Those who are over the empty platitudes and ready for real change. I have an LCSW/LCADC. I hold a BSW and an MSSW from the Kent School. If you’re looking for a therapist who’s going to sit back, nod silently, and sprinkle some feel-good phrases your way… well, that’s not me. I’m here to help you actually get unstuck, and yes, we might even laugh at the absurdity of it all along the way. Let’s cut through the nonsense: trauma, addiction, mental health issues. they suck. But you know what sucks more? Pretending like everything’s fine and letting them control your life. Together, we’ll work through the heavy stuff. We’ll get into the mess, sort it out, and figure out how you can finally breathe a little easier. Therapy with me isn’t some endless loop of “and how does that make you feel?” It’s a collaborative process where I bring my expertise to the table, and you bring your courage to face what’s been holding you back.
VirtualAvailable
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New to Grow

$40/session

Specialties
Family Conflict
High Clinical Acuity
Trauma and PTSD
+9
My identity and therapy practice are highly intertwined as I always say "I am a human before I am a therapist". Yes I went to college and got a big degree but my general desire for my clients is for them to feel like they are sitting with an authentic human who has "been there before". I moved from my home in Eastern KY Appalachia to Louisville in 2019. Having this experience has shown me that there ain't much difference in the suffering people have in the country and the city. I believe that our current society and systems all too often force people into hard spots and then tell them to pull themselves up and keep it pushing. My goal in therapy is to slow things down to normalize for you that we are not working on "what's wrong with you" but instead "what happened to you". This allows you to feel safe enough with me to share the parts of your life/mental that even you don't want to address. That is when you start healing. Cause once you feel seen and supported, you feel empowered enough to figure out how YOU want to live (not how you have been told to). I describe this whole process as you are driving the car and I am riding "shot gun" just pointing things out and making suggestions! I find that my unconditional acceptance of clients, use of real world humor/experiences, and gently pushing for change allows us to start building the skills and strategies you need to live in this world as an authentic you. Another favorite saying of mine is "it's your world my guy I'm just living in it"!
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$80/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+9
Do you feel anxious, overwhelmed, or emotionally exhausted? Are you struggling with depression, carrying the weight of past trauma, or wondering if you’ll ever feel like yourself again? If you’ve spent years people-pleasing, doubting yourself, or wondering whether you’re “good enough,” you don’t have to face it alone. I specialize in helping adults heal from anxiety, depression, and trauma. As an EMDR-trained therapist, I use evidence-based approaches to help you move beyond simply managing symptoms and begin healing the experiences that continue to impact your life today. Together, we’ll explore what’s underneath the anxiety, guilt, sadness, or emotional heaviness you’ve been carrying so you can reconnect with yourself and move forward with confidence. My goal is to help you rediscover your worth, set healthy boundaries without guilt, and create a life that feels authentic and meaningful. With over 14 years of experience, including extensive work with survivors of trauma, I bring compassion, honesty, and authenticity into every session. You are the expert on your own life, and my role is to provide a safe, supportive space where healing can happen and where you can begin believing that you are enough, just as you are.
Available
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$100/session

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

Solution oriented
Authentic
Intelligent
Specialties
Anxiety
First Responders/Healthcare Workers
Military/Veterans
+8
With over 21 years of experience in the mental health field, I am dedicated to helping adults navigate life’s challenges and find healing. As an LPCC licensed in both Ohio and Kentucky, I specialize in treating trauma, anxiety, depression, relationship struggles, and self-esteem issues. I hold a Master’s degree in Counseling from the University of Cincinnati, and my approach integrates a deep understanding of human emotion with a genuine desire to create meaningful change. My therapeutic style is warm, approachable, and often includes humor to help create an open and supportive space for growth. I use trauma-informed care and evidence-based practices to help clients process past experiences, build resilience, and reclaim their sense of safety and control. Validation, empathy, and humor are key tools I use to make healing feel not only possible but hopeful. Together, we work to foster lasting change, create healthier coping strategies, and develop a stronger, more empowered sense of self. Life’s challenges can feel overwhelming, but with the right support, transformation is always within reach. I am here to walk with you, every step of the way, toward a future filled with healing, strength, and peace.
VirtualAvailable
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$135/session

Warm
Direct
Empowering
Specialties
Anxiety
Trauma and PTSD
Women's Issues
+3
Hey, I'm Melanie. I 've been practicing since 1998 and believe that a strong therapeutic relationship is one of the most important factors for successful therapy. My style is warm, genuine, and down to earth. I strive to create a space where clients feel comfortable being themselves, knowing that they'll be treated with respect and without judgement. While I provide lots of support and encouragement, I also am willing to ask difficult questions and offer honest feedback when it's helpful.
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$100/session

Warm
Authentic
Solution oriented
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
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New to Grow

$150/session

Specialties
Depression
Grief
Life Transitions
+2
I have over five years of experience supporting individuals from all walks of life, with a focus on depression, anxiety, parenting challenges, military culture and experiences, and life transitions. My approach is collaborative, strengths-based, and grounded in creating a safe, supportive, and nonjudgmental space where you feel heard and understood.
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$95/session

Empowering
Authentic
Warm
Specialties
Anxiety
Obsessive-Compulsive (OCD)
Women's Issues
+1
Hello! My name is Amaris, and I’m glad you’re here :) Do you ever feel like you’re carrying more than your share — emotionally, mentally, or relationally? Do you find yourself doubting your needs, overthinking decisions, or feeling responsible for everyone else’s wellbeing? Many women move through the world with expectations and pressures that shape how they show up. My work focuses on helping women understand the “why” behind their emotions and behaviors so they can move through life with more clarity, confidence, and self‑trust. Sometimes personal growth means recognizing that you’re either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a powerful place to begin that process.
VirtualAvailable
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$100/session

Authentic
Empowering
Open-minded
Specialties
Perinatal Mental Health
Postpartum
Women's Issues
+10
Every woman deserves to feel powerful in her own life. We forget how strong, resilient, and deeply worthy we really are, whether you're in the thick of new motherhood, grieving a loss that changed everything, running on empty, or simply tired of feeling like you're not enough. Wherever you are, you are already enough. And I'm here to help you see it, feel it, and reclaim it. Hey there! I'm a Licensed Professional Clinical Counselor Supervisor (LPCC-S) with over 12 years of experience dedicated to supporting and empowering women through life's transitions-because life is always life-ing. My specialty is perinatal mental health. As a certified Perinatal Mental Health Specialist (PMH-C) through Postpartum Support International, I walk alongside women through pregnancy, postpartum, the fourth trimester, traumatic birth, and loss-the seasons that change you in ways no one fully prepares you for. I support women navigating: Perinatal and postpartum depression and anxiety Perinatal OCD and traumatic birth Mother and infant attachment Parenting in recovery Pregnancy and infant loss and grief The fog of depression, anxiety, or stress blocking your path back to yourself Burnout from expectations you never should have carried alone Compassion fatigue — for the helpers, healers, and caretakers who pour from an empty cup Grief of a person, relationship, lifestyle, or a version of yourself Life. The deep, bone-tired desire to stop surviving and start healing Fresh endings and new beginnings This is an inclusive, affirming space that celebrates all backgrounds, identities, and family structures. You belong here-exactly as you are.
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$100/session

Warm
Authentic
Humorous
Specialties
Anxiety
Depression
Mood Disorders
Hi there, I'm Jamie. In life, do you often feel as if you are driving alone down a dark road and are sometimes overcome with the burdens of everyday life? Is it hard for you to be kind to yourself? Do you feel that depression or anxiety is taking away your joy? Let me help you get that joy back. Seeking therapy can be scary but you are making the right choice. You are in the driver's seat. I am merely a passenger, with the necessary tools to assist you in finding the light at the end of the tunnel. I utilize an interpersonal approach that is specific to your needs to assess the situation and provide guidance along the way. My goal is to meet you where you are in your journey and help you get where you want to be. You deserve a safe space to heal and grow. In our sessions together, I'll help you with compassion and evidence-based techniques, so you can overcome the 3 H’s – hangups, hardships, and habits- that are holding you back. I can't wait to meet and talk so we can work together to reach your goals!
VirtualAvailable
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$135/session

Challenging
Empowering
Specialties
Anxiety
Depression
Mood Disorders
+10
I’m Royce L. Jones, MS, LPCC, MBA — a licensed professional counselor associate, Navy veteran, and mental performance consultant dedicated to helping individuals grow with intention. I specialize in working with student-athletes, high-performing professionals, and men navigating identity, leadership, and life transitions. My approach blends evidence-based practices like EMDR, mindfulness, and performance psychology with culturally responsive care to create a space that is honest, practical, and growth-focused. My goal is simple: to help you build awareness, strengthen resilience, and become the best version of yourself — on and off the field.
VirtualAvailable
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$100/session

Warm
Authentic
Empowering
Specialties
Anxiety
Obsessive-Compulsive (OCD)
Trauma and PTSD
+10
Dear future client, I am a Licensed Clinical Social Worker (LCSW) based out of Kentucky but licensed in KY and Illinois. I received my master's from the University of Louisville and have been practicing for 9 years. I work alongside adults to assist in managing strong emotions to support mental wellness. Adults who need support while learning ways to cope. A space to process unhealthy attachments and traumatic experiences.
VirtualAvailable
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$90/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Trauma and PTSD
+8
Hi, I'm Helena (Hell-in-uh)! I am a Licensed Clinical Social Worker with 10 years of experience! I like to emphasize that at the heart of my practice, I am a Social Worker and I approach my work from that perspective. I acknowledge that there are barriers we all experience to living our best lives and that certain people experience more and worse barriers because of who they are. My work is most rewarding when I get to help folks level the playing field by accessing the support, validation and compassion they need.
VirtualAvailable
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Often rebooked

$100/session

Solution oriented
Direct
Authentic
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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Often rebooked

$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Grief
+10
I am a licensed therapist with over 14 years of experience, certified in advanced psychoanalysis and trained in trauma informed care. I specialize in helping individuals navigate life transitions, anxiety, and emotional overwhelm by creating a safe and supportive space for reflection, healing, and growth. My approach is warm, collaborative, and rooted in deep respect for each other's unique story. My goal is to offer a safe space where you feel deeply seen, understood, and supported as you move toward clarity and healing. Whether you're carrying long standing emotional pain or simply trying to make sense of where you are in life, I'm here to help you reconnect with yourself at a pace that feels right for you.
VirtualAvailable
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$80/session

Direct
Authentic
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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$80/session

Authentic
Warm
Solution oriented
Specialties
ADHD
Anxiety
Depression
+7
Losses, social isolation, family tension, work fatigue, health issues, and uncertainty have created an imbalance in our lives, consequently decreasing our overall well-being. We are all striving to grow the life we desire. I help individuals flourish through integrative, evidence-based therapy while providing a structure of accountability for in-between-session work. I've been a Licensed Professional Clinical Counselor (LPCC) since 2008, was initially licensed as an LPCA in 2004, and am a Certified Integrative Mental Health Professional (CIMHP). I've worked with individuals experiencing depression, anxiety, grief, AD(H)D, trauma, and relationship conflicts. Together, we can develop a toolbox of resources to help you become more resilient.
VirtualAvailable
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Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in Kentucky. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Kentucky from Bowling Green to Lexington! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Kentucky.

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need.

Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs. Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center.Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.