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 198 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: 10/2/2026

$75/session

Empowering
Solution oriented
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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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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$60/session

Authentic
Warm
Direct
Specialties
Domestic Violence
LGBTQ
Trauma and PTSD
+10
Hi there, I'm a therapist who is part of the LGBTQ+ community. I strive to make the work I do a safe and caring space for my clients. I have work the past 5 years in private practice/addiction facilities. I am a License Professional Clinical Counselor and I have worked with individuals struggling with symptoms of ADHD, Autism, depression, anxiety, Disassociative Identiy Disorder, PTSD, and identity concerns.
VirtualAvailable
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New to Grow

$150/session

Specialties
Career Counseling
Childhood / Intergenerational Trauma
Trauma and PTSD
I am a licensed mental health therapist dedicated to providing a compassionate, supportive space for individuals of all stages. My practice focuses on helping adults navigate life’s challenges, build resilience, and achieve meaningful personal growth through evidence-based care tailored to each client's unique needs. I am especially passionate about helping clients navigating through traumatic situations.
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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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$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

$130/session

Specialties
Anxiety
Burnout
Depression
+4
I am a licensed professional social worker committed to helping adults break free from anxiety, depression, relationship issues, and internal difficulties with navigating life stressors and low self-confidence. My clinical work for the past 4 years has focused on identifying unhealthy thought patters, habits, and beliefs while building practical coping skills, self-esteem and self-worth and collaborating with clients to utilize their strengths. I believe in taking a collaborative, grounded approach to help clients achieve lasting progress. I am passionate about the therapeutic relationship I have with my clients and work alongside my clients as I would refer to as (sitting in the passenger seat and the client is the driver) by meeting the client where they are and allowing the client to take control of what they focus on in treatment and the pace of treatment.
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Often rebooked

$125/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
I have been working in this field since 2014. I am experienced in many approached and modalities including Cognitive Behavioral Therapy and Motivation Interviewing. I am offering Individual, Couples, and Family Therapy Sessions. Let’s meet and see how I can help you work through those things that are hindering you or overwhelming you. May that be trauma or life changes. How can I support you in your time of need? How can we get you Ready To Bloom?
VirtualAvailable
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$90/session

Warm
Authentic
Open-minded
Specialties
ADHD
Anxiety
Trauma and PTSD
+8
I’m a Licensed Clinical Social Worker (LCSW) based in Kentucky. I earned my Master’s degree in Social Work and have been practicing in the mental health field for 14 years. Throughout my career, I have gained extensive experience working with adolescents and adults experiencing ADHD, OCD, bipolar disorder, substance use, anxiety, and depression. My approach is centered on helping individuals heal from past and present trauma, develop greater self-awareness, and recognize and transform unhealthy patterns of thinking and behavior. I strive to create a safe, supportive, and nonjudgmental environment where clients feel heard, understood, and empowered to grow. My goal is to help each person better understand themselves, build effective coping skills, and move toward becoming the healthiest and most fulfilled version of themselves.
VirtualAvailable
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$90/session

Humorous
Authentic
Intelligent
Specialties
Addiction
ADHD
Anger Management
+12
Hello, I am looking forward to working with you. I do not say help, I say working with, as we are in this together. I hope to be able to provide you with the tools and the skills that you need to overcome and deal with life on life's terms. I also am flexible with appointment times, my calendar reflects when I am able to meet with little notice.
VirtualAvailable
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$110/session

Authentic
Warm
Empowering
Specialties
Anxiety
Couples Counseling
Peer Relationships
+10
You can love someone deeply and still recognize that the way you're being treated isn't okay. You can care about others while also learning to care for yourself. Together, let's figure out what's happening, understand why it's happening, challenge the patterns keeping you stuck, and identify what you can actually do differently. Hi there! My name is Dr. Jess Priode (pronounced "Pray-dee") and I believe every person's story deserves to be met with compassion, respect, and understanding. With nearly two decades of experience in the mental health field, I help individuals navigate relationship challenges, anxiety, stress, depression, grief, family conflict, boundaries, self-esteem, and life transitions. I welcome clients from diverse backgrounds and recognize that our identities, cultures, and environments can shape how we experience relationships, stress, and the world around us. I strive to approach each client with cultural humility, curiosity, and respect, rather than making assumptions about what your journey should look like. Life and relationships can be overwhelming. Maybe you're feeling anxious, emotionally drained, stuck in a relationship, struggling to set boundaries, or simply unsure of what comes next. Therapy can provide a space to slow down, gain clarity, understand the patterns keeping you stuck, and develop healthier ways of responding to yourself and the people around you. You deserve a space where your story matters and where you don't have to lose yourself to take care of everyone else. If you're ready to better understand yourself, strengthen your relationships, and feel more confident navigating life's challenges, I'd be honored to walk alongside you.
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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

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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$90/session

Warm
Empowering
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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$120/session

Solution oriented
Challenging
Direct
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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$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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$100/session

Authentic
Warm
Empowering
Specialties
Anxiety
Depression
Life Transitions
+5
Sometimes it feels like the actual apocalypse is just around the corner. We are bombarded with terrible headline after terrible headline. Inflation is making it harder to pay the bills, let alone have fun, or reach our dreams. With so much going on in the world, it’s no wonder that there are greater rates of anxiety and depression! In the midst of it all, you might be trying to figure out who you are, what you want from life, how to have that honest conversation with your friend, setting boundaries with a parent, whether to switch jobs, learning to be more comfortable in your skin, etc. It’s a lot to manage. I can help. I am a licensed psychologist and consider myself a generalist with a wide variety of clinical interests including issues related to family of origin, self esteem, identity development, issues related to oppression and marginalized identities, depression, anxiety, stress, and interpersonal relationships.
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$125/session

Warm
Open-minded
Authentic
Specialties
Depression
Personality Disorders
Trauma and PTSD
+4
I am a compassionate mental health therapist dedicated to creating a safe, supportive space where individuals can explore their experiences, build resilience, and move toward healing and personal growth. My approach is rooted in trauma- informed care, recognizing ways life experiences can shape how we see ourselves, relate to others, and navigate the world. I work with individuals facing a range of challenges, including trauma, personality disorders, emotional regulation difficulties, anxiety, depression, relationship concerns, and the everyday stressors that come with balancing work, family, identity, and personal expectations. I strive to create an environment where people feel heard, understood, and empowered to move forward with greater self- awareness, emotional balance, and confidence.
VirtualAvailable
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Often rebooked

$125/session

Warm
Empowering
Authentic
Specialties
Anxiety
Coping Skills
Depression
+10
Hi! I am a licensed clinical social worker based in Kentucky. I received my master's degree from the University of Louisville and have been practicing for the past 15 years. I help people of all ages and walks of life become the best versions of themselves. I am here to provide a safe space for people to process their struggles and develop goals that improve the quality of their life.
VirtualAvailable
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$80/session

Warm
Authentic
Intelligent
Specialties
Addiction
ADHD
Anxiety
+8
Hi there! I’m a Licensed Professional Clinical Counselor (LPCC) in Kentucky with a Master’s degree in Counseling from Eastern Kentucky University. I’ve worked in the mental health field for over eight years and have spent the last five years providing therapy. I support clients navigating challenges such as substance use, grief and loss, ADHD, trauma, depression, and anxiety. My approach is compassionate, collaborative, and focused on helping you build the tools to live a more balanced and fulfilling life. I look forward to supporting you as you begin your journey toward your best self!
VirtualAvailable
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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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$200/session

Authentic
Direct
Empowering
Specialties
Addiction
Military/Veterans
Trauma and PTSD
+10
I am Maggie Sweeney. I grew up poor in Brooklyn, I spent 23 years in the Navy, I have lived all over the world and retired in 2014. I earned my bachelor’s degree in liberal arts in science in 2009 and my MS in Mental Health Counseling in March 2017. My ex was active-duty Army and in July 2017 we got stationed at Fort Knox, KY. I earned my PhD in May 2022 and today I live Elizabethtown, KY. I love learning; I am EMDR (eye movement desensitization and reprocessing) certified and MRT (Moral Reconnection Therapy) facilitator certified. I am an experienced EMDR therapist and have witnessed the power of how that modality transform the life of my clients. My humanistic, creative, sensitive, and transparent approach is individually tailored. I focus your attention on your strengths using motivational interviewing and confrontation in an honest, genuine, and respectful environment. I take a person-centered and strength-based approach, utilizing a variety of evidence-based practices, including PCT, CBT, DBT, EMDR, strength based, systems therapy, narrative, and attachment theory.
VirtualAvailable
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$120/session

Authentic
Empowering
Warm
Specialties
Addiction
LGBTQ
Trauma and PTSD
+10
Hello! Are you having trouble finding balance in life? Do you find it difficult to make your actions and intentions align? Are you struggling to connect to people in meaningful ways? I help people find more calm, peace and headspace in life. I will always meet you right where you are. As our starting point, we will identify what is keeping you from being the best version of yourself. I am passionate about integrating mindfulness, yoga and education about our nervous system to develop a stronger relationship with yourself. Whether you’re dealing with overwhelm, relationship issues, a traumatic past, increased substance use, or cycles of anxiety and depression, I’m here to help. I offer a non-judgmental space, using evidence-based treatments where you may heal and grow.
VirtualAvailable
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Often rebooked

$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.
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$135/session

Warm
Authentic
Empowering
Specialties
Anxiety
Coping Skills
Depression
+10
My name is Faith, and I am passionate about helping people find hope, healing, and balance in the midst of life’s challenges. I work with individuals who are struggling with stress, anxiety, depression, mood difficulties, and low self-esteem, and I believe therapy is not just about managing symptoms—it’s also about discovering your strengths, building resilience, and creating meaningful change. As a therapist, I bring warmth, compassion, and practical guidance into each session. I am committed to creating a safe, supportive, and nonjudgmental space where you can be fully yourself. My role is to walk alongside you, encourage you, and empower you to move toward the healthier, more fulfilling life you desire. For those who wish, I also offer faith-based counseling as part of the journey. Change is possible—and with support, you can create the healthier, more balanced life you deserve.
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.