Therapists that accept Cash Pay in Montana

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 17 verified therapists in Montana 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: 4/11/2026

New to Grow

$160/session

Specialties

Addiction
Sex Addiction
Couples Counseling
+2
Caleb is a Christian counselor, Certified Sex Addiction Counselor (CSAT), Certified Clinical Trauma Professional (CCTP), Certified Addictions-Informed Mental Health Professional (CAIMHP), Certified Autism Spectrum Disorder Clinical Specialist (CASDCS), Certified Personality Disorder Specialist, Certified Clinical Anxiety Treatment Professional (CCATP). Caleb specializes in helping clients work through addiction recovery, anxiety, addictive behaviors, depression, PTSD, emotional abuse, mental abuse and trauma of various kinds.
VirtualAvailable
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$100/session

Authentic
Direct
Holistic
Humorous
Solution oriented

Specialties

ADHD
Anxiety
Depression
+6
I am a Clinical Social Worker dedicated to creating a safe, compassionate space where individuals, military members, veterans, and their families can explore challenges, build resilience, and move toward meaningful change. I work with clients navigating anxiety, depression, life transitions, relationship stress, and emotional overwhelm. My goal is to help clients gain insight, strengthen coping skills, and reconnect with their sense of purpose so they can experience greater balance, confidence, and fulfillment in their daily lives. I am licensed in Alaska, Alabama, Mississippi, Montana, and Washington.
VirtualAvailable
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$100/session

Authentic
Open-minded
Empowering
Humorous
Warm

Specialties

Anxiety
Trauma and PTSD
Women's Issues
+6
Hi, I am Amber. I am a Christian-oriented therapist who seeks to help others feel empowered to make changes to better their lives. If you are struggling in an intimate relationship, have trauma holding you in bondage, or are trying to break free from addiction then I would love the opportunity to work with you in your counseling journey. I have worked with clients of all backgrounds and in various settings. I also work with many clients in the LGBTQ community. I also have extensive experience with clients who have dual diagnosis and are high risk. Do you struggle with sexual addictions? Are you currently questioning your sexual orientation or identity? Have you experienced trauma that continues to affect your quality of life? Are you struggling in a relationship and searching for answers? Do you have a severe mental illness, such as dissociative identity disorder or schizophrenia? If any of these questions apply to you, then please schedule an appointment to get started on your healing journey.
VirtualAvailable
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$150/session

Authentic
Humorous
Intelligent
Solution oriented
Warm

Specialties

Addiction
Sex Addiction
Trauma and PTSD
+8
I am a licensed professional counselor (LPC) in the state of Arizona and Licensed Clinical Professional Counselor (LCPC) in the state of Montana. I currently works independently in my own practice with severe addictions, intimacy disorders, and complex trauma-based cases. I work with those who are impacted by compulsive behaviors, intimacy disorders, and betrayed spouses, as well as general mental health struggles such as anger, anxiety, and depression. Trained in several trauma rehabilitation techniques such as Somatic Experiencing (SE), Eye Movement Desensitization and Reprocessing (EMDR), Safe and Sound Protocol (SSP) in Polyvagal Theory, and Dielectical Behavioral Therapy (DBT), I am a Certified Sexual Addiction Therapist (CSAT) and Meadows Post Induction Therapy (PIT) trained therapist. I am a Masters-level clinician from Capella University with a minor in addiction and substance use disorders.
VirtualAvailable
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$100/session

Warm
Authentic
Intelligent
Empowering
Direct
Open-minded
Solution oriented
Solution oriented
Challenging
Holistic
Open-Minded

Specialties

Autism
Parenting
Trauma and PTSD
+4
Welcome! I’m a trauma-informed Licensed Clinical Social Worker serving clients in Indiana and Montana. I specialize in supporting individuals as they heal from traumatic experiences, particularly those rooted in childhood and parenting. I also have extensive experience working with neurodivergent individuals and supporting parents of neurodivergent children as they manage stress, strengthen connections, and feel less alone. Starting therapy can feel intimidating, but you don’t have to navigate it by yourself. My goal is to create a safe, supportive space where you feel under
VirtualAvailable
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$90/session

Intelligent
Authentic
Direct
Open-minded
Warm

Specialties

Anxiety
Bipolar Disorder
Couples Counseling
+10
My name is Ina Mockabee -Gardener, M.Ed., LPCC,. I am a Licensed Professional Counselor who has experience working with a wide variety of individuals, groups, families, and couples. My approach is non-judgmental, open, authentic, and tailored to meet your specific goals and needs. I work with adolescents and adults to help identify emotions and create a more positive, abundant life. I am trained in a variety of treatment modalities, which allows us to discuss your preferences and goals to determine the technique we use. I specialize in Cognitive Behavioral Therapy; I teach my clients "coping skills tool kits" to use for the rest of their lives.
VirtualAvailable
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$100/session

Warm
Authentic
Open-minded
Intelligent
Empowering
Solution oriented
Direct
Humorous
Holistic
Challenging

Specialties

Child or Adolescent
Family Therapy
Parenting
+6
As a social worker for twenty years, I have seen both the incredible hardships that people face as well as human resilience and adaptability. I became a therapist because I believe that healing happens best when we feel seen, heard, and accepted—just as we are. In therapy sessions, I use humor, warmth, and genuine respect to create a safe and supportive space for that purpose.
VirtualAvailable
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$100/session

Authentic
Open-minded
Warm
Intelligent
Empowering
Solution oriented
Direct
Holistic
Humorous
Solution oriented
Open-Minded
Challenging

Specialties

Addiction
Anxiety
Depression
+10
Hello, and welcome! My introduction to the counseling field began while working within therapeutic group homes that served children through adults experiencing mental health struggles. This experience, both enriching and meaningful, inspired my interest in pursuing counseling. I was deeply moved by the varying degrees of challenging life experiences that we are all tasked with navigating and the ways we attempt to cope, gain insight from, and hopefully transform our adverse circumstances. I received my Master of Social Work degree from Portland State University and since, I’ve had the opportunity to assist a diverse range of clients in both inpatient treatment and outpatient therapy settings, and more recently, at a college counseling clinic at the University of Montana. Within these programs, I’ve helped clients address anxiety, depression, grief and loss, trauma, academic challenges, relationships, identity changes, sexuality, and general life stressors. I am grateful that I can work to help individuals navigate the evolving nature of their lives by providing unconditional positive regard, encouragement, and supportive guidance.
VirtualAvailable
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$100/session

Warm
Authentic
Direct
Humorous
Open-minded

Specialties

Anxiety
Autism
Coping Skills
+5
Hi, I’m a licensed therapist in Washington, Montana, and Florida, and I truly believe caring for your mental health is one of the most important steps toward a steady, fulfilling life. Reaching out isn’t easy, so I’m really glad you’re here. I focus on supporting adults who are looking to expand their ways of coping and understand themselves better. My style is warm, curious, and collaborative—I use proven approaches while also trusting intuition to help you build skills and reconnect with your strengths. You can expect empathy, compassion, and a space where you can show up as your full self.
VirtualAvailable
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$140/session

Warm
Authentic
Empowering
Solution oriented
Humorous
Direct
Holistic

Specialties

Anxiety
Grief
Trauma and PTSD
+10
You are not broken—you are becoming. Life brings challenges, and therapy can be a space where you feel safe, accepted, and empowered to grow at your own pace. I believe in a compassionate, collaborative approach that blends evidence-based practices with genuine curiosity about your unique story. Together, we’ll explore what matters most to you, track progress, and set meaningful goals that support healing and resilience. I am an EMDR certified therapist and child mental health specialist, licensed in both Washington and Idaho, with a master's degree in Marriage and Family Therapy from Gonzaga University.
VirtualAvailable
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$125/session

Solution oriented
Warm

Specialties

ADHD
Anxiety
Depression
+8
Hello, my name is Crystal "Nikki" Factor. I graduated with my bachelor's degree from Haskell Indian Nations University , my master degree from University of Oklahoma (OU), and my doctorate degree from the University of Southern California (USC). I am a Licensed Clinical Social Worker. I specialize in working with individuals who struggle with anxiety, depression, ADHD, and past trauma. With many issues in life, individuals sometimes need help healing. When they begin the therapy process, they begin to understand their true self-value.
VirtualAvailable
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$150/session

Warm
Authentic
Solution oriented
Direct
Intelligent
Empowering
Open-Minded
Open-minded
Solution oriented
Holistic

Specialties

Addiction
Anxiety
Depression
+4
Hi! My name is Lisa and I am a Licensed Clinical Mental Health Counselor and a Licensed Clinical Addiction Specialist in the state of North Carolina. I am also cross licensed in the state of Nevada, Montana, New Mexico, Vermont, Virginia, Maryland, and Texas. I have been in the Substance Abuse field since 1996 working as an alcohol counselor in an outpatient setting. I received my applied AAS degree in 1996 and went on to receive my BS in Community Health and Human Services with an emphasis on Grief and Gerontology. I have two Masters degrees from Liberty University in Professional Counseling and Criminal Justice.
VirtualAvailable
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$150/session

Authentic
Solution oriented
Warm
Intelligent
Empowering
Open-minded
Direct
Holistic
Humorous
Solution oriented

Specialties

Coping Skills
Self Esteem
Women's Issues
+9
Hi! I'm a licensed Clinical Psychologist based out of Montana with licenses in Florida and Montana. I have 13 years of experience working with adults and groups. I have 7 years of experience working with a bariatric population. I work with adults who want to learn how to use nutrition and physical activity to improve their physical and mental well-being. I also use evidence-based therapies and techniques and teach my clients how to use these same techniques to improve their lives!
VirtualAvailable
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$80/session

Warm
Authentic
Humorous
Empowering
Solution oriented
Direct
Open-minded
Intelligent
Solution oriented

Specialties

Anxiety
Depression
LGBTQ
+10
Hello. I am a seasoned therapist with 30 years of experience working with a variety of individuals facing trying times. We all come upon hard times throughout our journey. I believe that having someone in your corner helping with regaining self care, self worth, balance among change and the courage to forge ahead is paramount when dealing with challenges in this thing called "life". I am easy going and sometimes I can be funny. I love my job and feel honored to be able to work alongside remarkable people each day. I learn something new with each and every person and feel that therapy is a collaboration of strengths between therapist and client.
VirtualAvailable
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$175/session

Humorous
Direct
Warm
Authentic
Empowering
Intelligent
Open-minded
Solution oriented

Specialties

Couples Counseling
LGBTQ
Trauma and PTSD
+7
In my practice, I utilize an integrative approach that draws from a variety of evidence-based modalities. I believe that no single therapeutic method works for everyone, which is why I tailor my approach to meet the unique needs of each individual I work with. My toolkit includes Cognitive Behavioral Therapy (CBT), which helps clients identify and change negative thought patterns; Dialectical Behavior Therapy (DBT), which focuses on building skills for emotional regulation and interpersonal effectiveness; Person-Centered therapy, which emphasizes empathy and unconditional positive regard; Solution-Focused therapy, which concentrates on finding practical solutions to present challenges; EMDR (Eye Movement Desensitization and Reprocessing), which is particularly effective for trauma processing; and Psychoeducation, which empowers clients with knowledge about their conditions and coping strategies.
VirtualAvailable
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$145/session

Empowering
Warm
Authentic
Challenging
Direct
Intelligent

Specialties

LGBTQ
Serious Mental Illness
Trauma and PTSD
+10
I am a Licensed Clinical Social Worker with over 10 years of experience supporting individuals with complex and high acuity mental health needs. My work is grounded in trauma informed and trauma responsive care, with a strong commitment to creating inclusive, affirming spaces for BIPOC, LGBTQI+, neurodivergent clients, and individuals in rural communities. I work across the lifespan, including children (6+), adults, older adults, families, and couples. My approach is collaborative and empowering, centered on the belief that clients are the experts in their own lives. I often describe my role as “working myself out of a job” helping clients build the insight, skills, and confidence needed to advocate for themselves and navigate systems independently.
VirtualAvailable
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Book session

$150/session

Authentic
Warm
Solution oriented
Intelligent
Open-minded
Empowering
Direct
Open-Minded
Solution oriented

Specialties

Addiction
Depression
Women's Issues
+10
With a background as a high-performing D1 athlete, experience in law enforcement, support for military families and the expectations of the corporate world - I bring a unique perspective to therapy. I understand the mental and physical demands of high performance and offer a compassionate, open-minded space where you can explore your past, present, and future. I have been licensed and practicing since 2010.
VirtualAvailable
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Frequently asked questions

Why filter by Montana rather than a city like Billings?

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

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.