Therapists that accept Cash Pay in Minnesota

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 8 verified therapists in Minnesota who accept cash pay, you can explore therapeutic approaches such as cognitive behavioral therapy, solution-focused therapy, and supportive counseling to address a range of concerns, including anxiety, depression, and ADHD. Each Grow Therapy-verified therapist that has a cash pay option listed below is currently welcoming new clients and has availability soon, offering you a straightforward path to compassionate, accessible care on your terms.

Availability updated: 6/8/2026

New to Grow

$225/session

Specialties

Anxiety
Foster Care/Adoption
Trauma and PTSD
+8
I’m a trauma‑competent, adoption‑competent therapist who works with adults navigating anxiety, identity questions, and the impact of family systems. I’ve been in practice for over 15 years and use an ACT‑forward, relational approach that helps clients feel grounded, capable, and aligned with their values. I work especially well with adoptees, men, and adults carrying complex childhood experiences who want practical tools, honest reflection, and a space that doesn’t pathologize their story.
VirtualAvailable

$175/session

Authentic
Warm
Direct

Specialties

Anxiety
Family Conflict
Foster Care/Adoption
+10
Hello, I’m Missy Lee, and I bring over 20 years of experience working with youth and families in school settings. As a transracial adoptee, I have a deep understanding of identity, belonging, and the complex emotions that can come with adoption and family dynamics. My background has given me a unique perspective on connection, resilience, and healing. Throughout my career, I’ve supported individuals and families through times of crisis and transition, helping them find stability, strength, and hope. I create a safe and supportive space where clients feel seen and understood, and where we can work together to build on their strengths and move toward meaningful change.
VirtualAvailable

$185/session

Warm
Authentic
Intelligent

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+10
I believe therapy should feel calm, respectful, and genuinely supportive. I create a space where people can slow down, speak openly, and feel heard without judgment or pressure. My approach is warm, grounded, and collaborative, allowing clients to explore their experiences at a pace that feels comfortable while still working toward meaningful change. Many people come to therapy carrying stress, anxiety, relationship challenges, or past experiences while continuing to manage daily responsibilities. I enjoy helping people make sense of what they are going through, build insight, and reconnect with their strengths. Conversations are honest and thoughtful, with a focus on understanding the whole person rather than just one concern. My goal is to offer steady guidance while respecting each client’s individuality, goals, and values. Therapy becomes a space to reflect, gain clarity, heal, and begin moving forward with greater confidence and emotional balance.
VirtualAvailable

New to Grow

$126/session

Specialties

Anxiety
Depression
Older Adults
+3
I hold a Ph.D. in Clinical Psychology from Capella University and an M.A. in Counseling Psychology from the Alfred Adler Institute of Chicago. I was born in Havana, Cuba and I can do psychotherapy in both English and Spanish. I have worked with college age students, women who are struggling to balance family and career, couples counseling and the elderly.
Available

$150/session

Authentic
Open-minded
Solution oriented

Specialties

Life Transitions
Men's Issues
Self Esteem
+2
Happy to meet you! I'm a Licensed Independent Clinical Social Worker (LICSW) based in Minnesota, born and raised in Miami, Florida. I received my Masters from the Florida International University and have been practicing for 7 years. I am bilingual, speaking English and Spanish. I'm a fellow traveler in life and help people find their fulfillment in life. I've had experience with parents, adults with SPMI, adults struggling with life changes. I have Hi! I'm a Licensed Professional Counsellor (LPC) based in California. I received my Masters from the University of Florida and have been practicing for 7 years. I help young adults struggling with career stress and burnout become the best versions of themselves experience in the LGBTQ+ community, Latino community, large families and developing healthy boundaries. I have also worked in addressing challenges related to issues such as men's concerns, anxiety, depression, impulsivity, addiction, young adults, relationship issues, and grief.
VirtualAvailable

$80/session

Solution oriented
Authentic
Open-minded

Specialties

Addiction
Anxiety
Eating Disorders
+10
Hello, my name is Matthew Cruz, but many people call me Matt. I specialize in treating adult individuals. I enjoy talking with people about their problems, offering them support, and helping them to find a way forward. My background is in treating substance use and Eating Disorders. As such, I am familiar with a variety of treatment approaches, including CBT, DBT, and Motivational Interviewing. However, I am looking for what approach works for each individual and am not attached to any one mode of treatment. I enjoy helping people explore meaning and symbolism in their world through a person centered approach to treatment. For those that are interested, I am comfortable incorporating faith and spiritual practice into the treatment experience. I do not provide couples or family therapy. Feel free to reach out to me with further questions!
VirtualAvailable

$100/session

Warm
Authentic
Direct

Specialties

Addiction
Substance Misuse
Suicidal Ideation
+10
Hello, Hola! I am Elisa Sarmento, MA, LADC, LMHC, LPCC, based out of Bloomington, MN, fully licensed and working through telehealth in both Minnesota and Florida, practicing for over 15 years. I provide both bilingual (Spanish/English) psychotherapy, life coaching services and am particularly passionate about working with the specific challenges faced by individuals (teens and adults) living in fear and addiction.
VirtualAvailable

$65/session

Empowering
Authentic
Intelligent

Specialties

Sexual Abuse
Suicidal Ideation
Trauma and PTSD
+10
I believe in the healing power of a strong therapeutic alliance. My practice is based on the conviction that with the right support, everyone can effect change in their lives. My style is caring and not judgmental; I utilize Cognitive behavioral therapy, existential therapy, and Brief Cognitive hypnosis to guide you in the process of learning new skills to manage your thoughts, emotions and behavior. I am clinically licensed in the states of Illinois, Texas, Utah and Minnesota. I have been providing therapy through video sessions for more than three years. I am bilingual in Spanish and English. I am a painter and a poet; I consider that Art is another wonderful tool to achieve healing.
VirtualAvailable
Frequently asked questions

Why filter by Minnesota rather than a city like Minneapolis?

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

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.