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 7 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: 6/15/2025

Joy Watkins

Joy Watkins, LICSW - Minnesota Therapist at Grow Therapy
$180/session
LICSW
22 years of experience
Virtual
Healing and restoring individuals and couples as a Therapist and Consultant specializing in Mental Health and Substance Abuse for 20+ years. I have worked with Adults, Adolescents, Teens and Young Adults extensively. I specialize in CBT Therapy, CBT Trauma Focused Therapy, Solution Focused Therapy, Client Centered Therapy, Motivational Interviewing, Domestic Violence and Strengths Based Therapy. For individuals or couple experiencing depression, anxiety, suicidal thoughts, fears or any other Mental Health issues I can assist you with combating these issues that are affecting your daily life using a strengths base approach.
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Tiffany Lopez

(she/her)

Tiffany Lopez, LICSW - Minnesota Therapist at Grow Therapy
$100/session
LICSW
5 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker, licensed to practice in various states. I have experience working in a variety of mental health settings and have found my passion working as an outpatient therapist. In our work together you can expect to be met with a therapeutic alliance that promotes safety, empathy, compassion, and value, as a human being.
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Tessa Fultz

Tessa Fultz, LICSW - Minnesota Therapist at Grow Therapy
$75/session
LICSW
8 years of experience
Virtual
Hi! I'm a Licensed Mental Health Therapist based in Minnesota & have a WI license. I own my own private practice and do training, supervision and therapy for kids & parents at an autism center as well. I received a MSW from Walden University, a psychology degree from Brandman University. With over 10 years of experience in the mental health field, I have learned a lot about what works and doesn't work and am honored to help people on their journey in life. My goal is to provide a safe, relaxing space for clients to help them reach their goals. I love helping others and providing a safe, caring space and tools that work to help others as a therapist. I am also a wife and mom of 7, 4 bonus kids- 3 of whom are adults now- and 3 kids living at home.
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Zachary Campbell

(he/him)

Zachary Campbell, LPCC - Minnesota Therapist at Grow Therapy
$200/session
LPCC
15 years of experience
Virtual
I am a trauma informed care practitioner with 18 years of experience in supporting people through a healing journey with EMDR, Somatic Experiencing and Jungian Dream Analysis. We enter your story with compassion. I am passionate about providing gentle and considerate care. My office is located on a bus line within an ADA accessible building and off-street parking. Virtual sessions are offered. My space is designed for comfort and safety in downtown Duluth, Minnesota.
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Aja King

(she/her)

Aja King, LPCC - Minnesota Therapist at Grow Therapy
$115/session
LPCC
24 years of experience
Virtual
Hello, I'm Dr. Aja King, a Counseling Psychologist and Licensed Professional Clinical Counselor practicing in Minnesota. I view therapy as a collaborative journey with someone who comprehends life's complexities. Despite the challenges, I believe in the potential for recovery, inner peace, and clarity. With 23 years of experience in mental health, spanning various states including Alabama, Washington, D.C., Virginia, and Minnesota, I've had the privilege of working with diverse populations, including geriatrics, addiction, trauma/crisis, families, and those affected by domestic violence.
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Linda Etim

Linda Etim, LICSW - Minnesota Therapist at Grow Therapy
$150/session
LICSW
30 years of experience
Virtual
Hello, I am a Licensed Clinical Social Worker in the states of Minnesota and Missouri. I am licensed to diagnose and treat individuals struggling with mental health issues. My philosophy is that we all have the capacity to heal from within however sometimes our feelings and emotions can overwhelm us and make it difficult to find our own healing. I am here to assist clients in reaching their highest good in life.
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Martha Mino

(she/her)

Martha Mino, LICSW - Minnesota Therapist at Grow Therapy
$150/session
LICSW
10 years of experience
Virtual
Bilingual in Spanish, born in Mexico City, bi-cultural, got my master’s degree in social work at the University of North Dakota. I am an Independent Clinical Social Worker in the states of MN and FL. Nationwide, a Holistic Therapist and practice Alternative Medicine. With knowledge in Metaphysics, Quantum Mechanics and Epigenetics. Certified as an Emotional Freedom Therapist (tapping,) trained in clinical and spiritual hypnosis, and energy psychology among other science-based therapies and techniques.
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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 the state. 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 Domestic Violence?

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. For example, your selected specialty, Domestic Violence, is filtering therapists in Minnesota that work with patients with similar concerns.

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 to expect during your first 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.