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 209 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: 10/29/2026

New to Grow

$100/session

Specialties
Anxiety
Depression
Obsessive-Compulsive (OCD)
+10
My name is Molly Ann Halpin Techau and I work as a Licensed Professional Clinical Counselor and Licensed Marriage and Family Therapist. I have a passion for being present to my clients and offering encouragement to work toward their goals, including use of practical and reflective tools. Clients and I collaborate to navigate various challenges while continuing to learn skills that can be continuously applied beyond the counselor room. I incorporate Client Centered approaches, Cognitive-Behavioral Therapy, and Reality Therapies to join with my clients as they consider and reflect on experiences and needs. I look forward to working with you and creating an individualized plan to work toward your gioals.
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Often rebooked

$75/session

Authentic
Empowering
Intelligent
Specialties
Anxiety
Depression
Suicidal Ideation
+10
Hi I’m Kayla, a licensed professional counselor in Louisville, KY. I have been practicing for over 11 years in a variety of settings including both in-patient and outpatient offices. I utilize many techniques including CBT, ACT, and DBT skills. I am trained in art therapy as well and am happy to bring those techniques to sessions when clients are open to this. I work with adolescence and adults and offer a LGBTQ+ friendly space.
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New to Grow

$90/session

Specialties
Anxiety
Chronic Illness / Medical Issues
Trauma and PTSD
+10
I’m a Licensed Clinical Social Worker who is passionate about working with women and children, providing a compassionate and supportive space to navigate emotional challenges, build coping skills, and foster growth. I have over 20 years of experience helping children, teens, adults, older adults, and families impacted by many forms of life stressors. I believe every individual brings unique strengths, experiences, and hopes to therapy, and that growth looks different for everyone, from finding small moments of joy to navigating life’s most difficult losses. My goal is to help you reconnect with yourself, recognize your potential, and move forward with greater clarity and compassion. Even in challenging seasons, I believe there is always space for hope, healing, and possibility. I don’t believe in quick fixes. Our work is built on trust, understanding, & collaboration. Together, we’ll explore your experiences, what they’ve meant to you, & how they continue to shape your life, at a pace you're comfortable with.
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$90/session

Specialties
Grief
LGBTQ
Peer Relationships
Welcome! I am a dedicated mental health professional committed to supporting people aged 13+ on their journey toward well-being. I provide a compassionate and understanding space where clients can explore challenges, develop valuable coping skills, and build confidence to thrive. My goal is to empower each person to cultivate lasting emotional health and resilience. I enjoy using humor and hobbies to build rapport.
VirtualAvailable
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$75/session

Warm
Authentic
Intelligent
Specialties
Anxiety
Depression
Trauma and PTSD
+7
Feeling stuck, overwhelmed, or just exhausted from trying to hold everything together? You don't have to navigate it alone. I am a LCSW working with teenagers and adults who are ready to break free from cycles of overthinking and self-doubt. My approach is warm, down-to-earth, and compassionate. I tailor our sessions to fit your unique needs using practical tools from MI (Motivational Interviewing), CBT (Cognitive Behavioral Therapy), DBT (Dialectical Behavioral Therapy), and ART (Accelerated Resolution Therapy). Together, we’ll build practical tools to help you breathe easier and move forward with confidence. Outside of session, you can find me hiking (with or without my dog), playing volleyball, volunteering in my church, and relaxing at home.
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New to Grow

$100/session

Specialties
Addiction / Substance Use
Anxiety
Depression
+10
Welcome: I'm a Licensed Professional Clinical Counselor (LPCC) dedicated to helping individuals navigate life's challenges with compassion, understanding, and purpose. My approach combines evidence-based therapeutic practices with a faith-informed perspectives, when desired, to support emotional healing, personal growth, and lasting change. I believe every person has value, every story deserves to be heard, and healing is possible even in life's most difficult seasons. My goal is to provide a safe, supportive, and nonjudgemental space where you can strengthen your resilience, discover your inner strengths, and move forward with hope and confidence.
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$100/session

Intelligent
Authentic
Empowering
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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$125/session

Warm
Authentic
Humorous
Specialties
Anxiety
Depression
Life Transitions
+8
Hi, I'm Morgan. My schedule has officially reopened to new clients! I know how isolating and tough it can feel when life gets heavier than you can carry or when you're constantly second-guessing yourself. I'm here to help untangle the tangled, and to help you find real relief from the pressures you're feeling. My clients are often people who appear to have it "together" on the outside but feel anxious, disconnected, or stuck on the inside. You don't have to do this alone.
VirtualAvailable
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New to Grow

$120/session

Specialties
Anxiety
Childhood / Intergenerational Trauma
Depression
+10
As a mental health therapist with more than 25 years of experience, I am dedicated to creating a safe and welcoming space for my clients. I combine empathy with evidence-based techniques to help individuals navigate life's challenges and foster resilience. I'm passionate about empowering people to find the tools they need to thrive. I’m known as a warm and approachable practitioner who truly loves what I do. I use active listening to understand each client’s unique story and make them feel genuinely heard. My goal is to make everyone feel comfortable and supported as we work together on their path to healing.
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$95/session

Authentic
Humorous
Warm
Specialties
ADHD
Depression
Women's Issues
+10
Hi there, I'm Brittany, and I'm so glad you're here. Do you feel lost or overwhelmed in the mix of everything? Are you struggling to find the balance between work, relationships, parenthood, and the ability to be and care for yourself? I believe the work we do on ourselves is the hardest work we'll ever do, but it's also the most rewarding. I empower my clients to deepen their understanding of themselves and their connections with their world. Together we will carefully navigate the complexities of your emotions, guiding you toward a place of healing, self-discovery and wellness. I'm honored to embark on this journey with you, one step at a time. Your needs are unique to you and I'm prepared to utilize my strengths in empathy, compassion, non-judgment, and evidence-based practices to provide a safe space for you to explore those. Together, we will uncover the tools and strategies that best suit your individual needs, allowing you to overcome challenges, break free from self-limiting beliefs, and pursue a life of wellness that is fulfilling and authentic. **Please be aware if you prefer in person sessions I can ONLY offer those on THURSDAYS. ** If you prefer telehealth I ask that you kindly try to prioritize any other week day.
VirtualAvailable
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$120/session

Solution oriented
Warm
Challenging
Specialties
ADHD
Anxiety
Depression
+10
I am a Licensed Clinical Social Worker with over four years of experience supporting children, adolescents, and adults through life’s challenges. I believe therapy is a collaborative process built on trust, understanding, and feeling truly heard. I enjoy creating a safe and welcoming space where clients can explore their thoughts, emotions, and experiences while working toward meaningful goals. My approach is warm, supportive, and personalized to each client’s unique needs. I have experience helping clients navigate anxiety, depression, grief and loss, anger management, emotional regulation, self-esteem, and major life transitions. Building genuine connections and understanding each person’s story is one of the most important parts of my work. Outside of therapy, I enjoy reading, traveling, and continuing to learn and grow both personally and professionally. I bring curiosity, compassion, and a commitment to helping clients recognize their strengths and develop skills to create positive change.
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$100/session

Warm
Open-minded
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
My name is Kimberly Watkins. I am a Licensed Professional Clinical Counselor who cares deeply about helping you make your way. Being a native of a small town, I understand the challenges these communities face in gaining quality mental health care. Therefore, after college and getting married, I pursued higher education to fulfill my passion of becoming a counselor. Along the way, I have helped others in various capacities including displaced children and teen moms, working at a homeless shelter and grief center, teaching Social Emotional Learning classes to children in a school setting, providing school-based and outpatient therapy for children and adults in multiple mental health agencies and schools. I have also worked as a Group Therapist for teens/preteens in PHP/IOP Program. Through all these experiences I have gained a vast understanding and knowledge of challenges individuals and families face. I want to continue this journey by providing private individual therapy services. I seek to provide compassionate, client-centered counseling to individuals and families in communities. I seek to help individuals and families grow strong roots by encouraging clients to explore and utilize resources in their communities including family, friends, and faith-based services. I seek to help people address issues they are experiencing such as depression, anxiety, trauma, grief, and relational challenges. I will meet each client where they are and help them work through past and current pain to build a more balanced and manageable life. My goal is to support individuals and families in building healthier, more resilient lives across generations. My personal passion is to strengthen communities by increasing access to compassionate, high quality mental health care.
VirtualAvailable
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$100/session

Authentic
Direct
Empowering
Specialties
Perinatal Mental Health
Postpartum
Women's Issues
+10
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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New to Grow

$110/session

Specialties
ADHD
Anxiety
Trauma and PTSD
+10
Hi, I'm Renesha! I'm a Licensed Professional Clinical Counselor, trauma specialist, and EMDR clinician who believes therapy doesn't have to feel intimidating, overly clinical, or like you're talking to someone who just nods and asks, "And how does that make you feel?" I'm a real person who understands that life can be messy, relationships can be complicated, and sometimes you're simply tired of being the strong one. My approach is warm, down-to-earth, honest, and sprinkled with humor when appropriate. I create a space where you can show up exactly as you are, without judgment or pressure to have everything figured out. I specialize in helping people navigate anxiety, depression, trauma, relationship challenges, life transitions, and those moments when you realize something in your life needs to change, but you're not quite sure where to start. As a therapist, business owner, and someone who understands the demands of balancing multiple roles, I recognize how easy it is to put yourself last while trying to hold everything else together. I believe therapy should be more than just talking about what's wrong. It's about understanding your patterns, developing practical tools, setting healthy boundaries, and building a life that feels good to YOU. I'll support you, challenge you when needed, celebrate your progress, and occasionally make you laugh along the way. You don't have to have it all together to get started. You just have to be willing to show up.
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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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$110/session

Authentic
Warm
Intelligent
Specialties
Emotional Regulation
Life Transitions
Mood Disorders
+9
Feeling overwhelmed, stuck, anxious, or facing a major life transition? I provide a safe, supportive space where adults can slow down, gain clarity, and develop practical strategies for moving forward. Throughout my extensive career, I've helped people navigate life's challenges both as a licensed clinical therapist and as a healthcare executive leading major hospital systems. Whether you're dealing with anxiety, burnout, relationship challenges, grief, or a major life transition, I provide a supportive space to gain clarity, build resilience, and move forward with confidence. Raised in Chicago’s Rogers Park and influenced by my father’s resilience as a Holocaust survivor, I bring a strong foundation of empathy and perspective to my work. I hold a master's in clinical social work from Loyola University and am licensed in Arizona, Florida, Illinois, Kentucky, New Mexico and West Virginia. I also earned a master's degree in business administration from North Park University and an executive management certification from University of Southern California. Having lived and worked across the United States and internationally, I bring a broad, culturally informed perspective to my practice. My therapeutic philosophy emphasizes positivity, confidence, and persistence.
VirtualAvailable
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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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$100/session

Authentic
Warm
Humorous
Specialties
Coping Skills
Mood Disorders
Trauma and PTSD
+8
Hi there! I’m Vanessa Sewell, a Licensed Professional Clinical Counselor-Supervisor and the owner of Boheme Holistic Clinical Services. I earned my bachelor’s degrees in Psychology and History from Western Kentucky University, and my master’s in Counseling and Human Development from Lindsey Wilson College. I’m currently working on my doctorate in Counselor Education and Supervision at Lindsey Wilson University (and yes, they did change the name!). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, inpatient behavioral health, geriatric services, and school settings for the last 6+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable
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$125/session

Authentic
Open-minded
Warm
Specialties
Anxiety
LGBTQ
Life Transitions
+3
I’m a licensed professional clinical counselor and counselor educator with more than a decade of experience in mental health, supervision, and counselor training. I work primarily with adults navigating stress, grief, identity, relationships, life transitions, burnout, and the effects of difficult past experiences. My approach is relational, collaborative, and grounded in the belief that counseling should make room for the complexity of real life. I tend to be warm, thoughtful, straightforward, and curious. I’m not the kind of therapist who simply sits back and nods—I ask questions, offer perspective, and work alongside you to better understand patterns, possibilities, and what might actually be helpful. My practice is trauma-informed, culturally responsive, and affirming of LGBTQ+ and other diverse identities and experiences. I especially enjoy working with people who are thoughtful and self-aware but may feel stuck, overwhelmed, disconnected, or unsure what comes next. You do not need to have everything figured out before coming to counseling. We can start with where you are.
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Often rebooked

$90/session

Authentic
Warm
Empowering
Specialties
Anxiety
Trauma and PTSD
Women's Issues
+4
Hello! I am a Licensed Professional Clinical Counselor in the state of Kentucky. I attended Northern Kentucky University for my degree in Psychology and attended the University of Cincinnati for my Master's degree in Mental Health Counseling. I have worked for the last 20 years in the mental health and addictions field. I work specifically with women to address areas and types of anxiety, trauma, depression, and addiction to empower them to make their lives more manageable.
VirtualAvailable
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$160/session

Warm
Empowering
Intelligent
Specialties
Anxiety
Depression
LGBTQ
+8
Are you feeling overwhelmed and need support? Are you struggling with anxiety or having trouble in your relationships? Maybe you're finding it difficult to achieve your goals? It can be exhausting to navigate the obstacles life throws at us. I understand how difficult and scary it can be to take the first step and begin the healing process. In our sessions, I'll meet you where you are with compassion and evidence-based practices so we can identify what's not working and find a way to help you meet your goals for a healthier, happier life. I offer telehealth counseling services for individual adults of all ages and all walks of life who reside in the state of Kentucky. My therapeutic approach is primarily strengths-based, applied within evidence based interventions such as cognitive behavioral, psychodynamic, motivational interviewing, and mindfulness therapies. My goal as a therapist is to create a comfortable and welcoming environment for you to explore and express your thoughts and feelings. Let's work together!
VirtualAvailable
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$45/session

Authentic
Specialties
Anger Management
Family Conflict
Trauma and PTSD
+8
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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$120/session

Authentic
Direct
Solution oriented
Specialties
First Responders/Healthcare Workers
Spirituality
Trauma and PTSD
+10
My journey into counseling was shaped by years of serving others on the frontlines and witnessing the physical, emotional, and spiritual impact of trauma firsthand. I bring that same sense of compassion, discipline, and calm under pressure into the therapy space. I believe that healing involves the whole person, including the mind, body, and spirit. My approach blends evidence-based clinical methods with Christian principles when desired, helping clients not only manage symptoms but also rediscover meaning, identity, and purpose. Whether we are unpacking trauma, building coping tools, or walking through a season of growth, my goal is to create a safe space where you can heal honestly and at your own pace.
VirtualAvailable
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$90/session

Intelligent
Warm
Specialties
Anxiety
Child or Adolescent
Learning / School Challenges
+7
Hi! I'm a Licensed Professional Counsellor (LPCC) based in Kentucky but also have my Virginia License also (LPC). I received my Masters from Lindsey Wilson in 2018 and have been licensed since December 2021. I typically work with middle school age to young adults dealing with changes in life during major stages in their development. I try to help prepare clients to solve their own problems and build their own tool kits to stand on their own.
VirtualAvailable
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$135/session

Warm
Direct
Intelligent
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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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.