Therapists that accept Cash Pay in North Carolina

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 552 verified therapists in North Carolina 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: 10/1/2026

$150/session

Authentic
Warm
Empowering
Specialties
Couples Counseling
Depression
Military/Veterans
+7
I'm going to go out on a limb and guess that something isn't OK right now. That something might be new, or it might have been around a long time. You might be able to describe it perfectly, or you might just feel off without knowing why. Either way — you're here, and that's the only thing that matters right now. I start from wherever you are. No assumptions, no judgments, no one-size-fits-all approach. Just a genuine desire to understand you — what's brought you here, what you're carrying, and what you're hoping for. Therapy with me — whether you're coming alone or with a partner — tends to be honest and occasionally even a little lighthearted. The human experience isn't black and white, and neither is the work we'll do together. What stays consistent is that you'll have a space that belongs to you, where nothing you say or feel changes how I show up for you. For couples, that space belongs to both of you equally. I don't take sides. What I do is help you see the pattern you're both caught in — because most of the time it's the cycle doing the damage, not each other. When that shifts, something else becomes possible. No matter what it is you are navigating — depression, relationships, identity, or the gap between how you show up and how you actually feel inside — you don't have to have it figured out to reach out.
VirtualAvailable

$200/session

Direct
Intelligent
Solution oriented
Specialties
Addiction
Anger Management
Grief
+5
Hi! I'm Wen. I am a licensed marriage and family therapist. I help adults who are struggling to deal with everyday stressors and burnout. I empathetically listen to what you have to share and want to fully understand your situation before working collaboratively on solutions. I consider myself a direct person and try to break down the concepts that I teach into easily understood ideas.
VirtualAvailable

$125/session

Direct
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+5
I am a Licensed Clinical Social Worker (LCSW) based in Pennsylvania, but also provide support to adults in Florida and North Carolina. I integrate approaches such as EMDR, somatic practices, parts work, and Cognitive Behavioral Therapy to help clients heal from trauma, anxiety, and life transitions. I collaborate with clients to identify and nurture coping skills that resonate with their individual needs and life circumstances while harnessing their personal strengths in supporting sustainable and meaningful growth/change.
VirtualAvailable

New to Grow

$175/session

Specialties
Burnout
Self Esteem
Trauma and PTSD
+9
I am licensed in three states (NY, NC, and SC) and have 8 years total of clinical experience. My career started in North Carolina when I got my Master's in Clinical Mental Health Counseling from Western Carolina University and completed my internship serving as a counselor in an inpatient substance use treatment facility. After that, most of my career was spent serving diverse populations in New York City, in multiple settings of care including substance use treatment and community mental health treatment facilities, and private practice settings. I worked with a heavily diverse, international, and multicultural population from many backgrounds. Over time I had immersive experience building a niche working with LGBTQ+ clients, with a particularly strong following of gay men navigating complexities in their identity, sexuality, and interpersonal relationships. I also worked with clients from all walks of life navigating concerns around trauma, addiction, mood disorders, major life transitions, and concerns regarding intimate relationships. I consider my counseling approach to be ecletic. I incorperate concepts from many different modalities and adapt them to the unique needs and personalities of my clients. Some of the major counseling theories I draw from include Person-centered therapy, Motivational Interviewing, Cognative Behavioral Therapy, Dialectal Behavioral Therapy, Positive Psychology, and many others.
Available

$350/session

Authentic
Direct
Solution oriented
Specialties
Couples Counseling
Family Conflict
Men's Issues
+7
Today you are one step closer to a new you, feeling empowered and on a positive path to growth and well-being. As an Assistant Professor, Researcher, and Doctor of Marriage and Family Therapy and a solution-focused therapist, I aim to help you uncover your true potential and lead a life worth celebrating. While we can't change difficult situations of the past, we can work together to better understand and resolve challenges in your life. By applying complementary therapy approaches and techniques, we will unearth long-standing behavior patterns or negative perceptions that may be holding you back from experiencing a more fulfilling and meaningful life.
VirtualAvailable

$150/session

Warm
Authentic
Empowering
Specialties
Life Transitions
Physical Health Condition
Women's Issues
+4
I am a Licensed Clinical Social Worker who brings over 30 years' experience in the areas of mental health and substance abuse treatment utilizing a holistic health approach. I have supported homeless Veterans and others while working with community, State and Federal agencies. Providing insight and discovery into underlying issues that lead to clients related situations, I focus on each clients' strengths and believe that everyone is able to overcome challenges by being supported and empowered as they seek to achieve their vision of wellness. Without judgement and allowing for a safe environment to express one's thoughts, I strive to make every client's experience individualized and tailored to their needs.
VirtualAvailable

$120/session

Authentic
Warm
Empowering
Specialties
ADHD
LGBTQ
Life Transitions
+2
I'm a Licensed Clinical Social Worker based in North Carolina. I received my Master of Social Work degree from Rutgers University in 2007 and have practiced social work (mainly a combination of behavioral health counseling, case management, and other services) since then. I help my clients feel heard, seen and understood. From our first session, I engage them in creating their own vision for therapy. Therapy with me is collaborative and relational.
VirtualAvailable

$120/session

Authentic
Open-minded
Warm
Specialties
Anxiety
LGBTQ
Personality Disorders
+10
I’m a Licensed Clinical Social Worker with a deep respect for the complexity of a client’s histories, identities, nervous system and family dynamics. I work from a psychodynamic and trauma-informed lens, integrating skills and ideas associated with various evidence-based practices such as CBT, acceptance-based, and emotion-focused work to help you process what’s happened to you while also building skills for the present. I specialize in working with adults including LGBTQ+, and neurodivergent clients. I pay close attention to creating space that feels actively affirming – not just “tolerant”. You’ll find that I’m transparent about the therapy process, that I name what I see with care, and that I hold your pain and resilience in mind at the same time.
VirtualAvailable

New to Grow

$100/session

Specialties
Anxiety
Depression
Emotional Regulation
+1
Hi, I'm Alesia, a Licensed Clinical Social Worker (LCSW) with a Master of Social Work from the University of Alabama. Over my seven-plus years in the field, I've worked in college, community, outpatient, inpatient, and intensive outpatient settings, giving me a broad perspective on how to support people at different stages of life and levels of need. I work with both children and adults facing challenges like depression, anxiety, and major life changes, using cognitive behavioral therapy, solution-focused therapy, and psychoeducation to help clients feel more equipped to navigate what they're going through.
Available

$150/session

Open-minded
Warm
Specialties
Anxiety
Depression
Trauma and PTSD
+5
I love love, and I love helping people to heal. Understanding healing occurs on all levels, I've dedicated myself for the last 23 years to being a vessel to help people navigate those levels and find their peace. My calling is to help heal the minds and souls of people so they can manifest their greater and higher selves. Whether it was through the books I've written, my former vegan catering company, practicing as a doula or navigating spaces as a licensed clinical social worker, I've always understood the assignment of helping folks recognize they have the power within themselves to heal.
Available

$100/session

Authentic
Humorous
Open-minded
Specialties
ADHD
Anxiety
Depression
+10
Hi, my name is Jonathon Payne and I am a practicing Licensed Clinical Mental Health Clinician, LCMHC, with the State of North Carolina with over 18 years of experience. Most of my work experience has come from working with individuals in crisis settings and or situations. The work has always been challenging, humbling, and rewarding. It has taught me the value of true genuineness and the importance of being able to connect with people and build working relationships. I love therapy. I respect the therapeutic process and value the hard work and introspection it requires. Therapy is something that I am passionate about. Everyday it provides me an opportunity to help others and learn from others. I am proud of the things I have learned, but even more humbled and optimistic of things that I continue to learn. One thing I would tell you is that a have a real passion and commitment to counseling and the therapeutic process. It is and has been what I love to do. I put tremendous value on the importance communication, language, and building a good therapeutic relationship or rapport. Its important to me that you, the patient feel safe, heard, and valued. My counseling style is very laid back and supportive, with a very non-judgmental stance. However, I am not afraid to roll my sleeves up and work hard. I believe in being supportive, motivating, and challenging. Its important that you have the opportunity to work hard, learn, grow, while developing realistic attainable and measurable goals.
VirtualAvailable

$200/session

Authentic
Solution oriented
Warm
Specialties
Anxiety
Depression
Trauma and PTSD
+10
Hi! I'm a LCMHCS, LPCS, LCAS, CCS based in North Carolina and practicing in NC, SC, GA, TX, AZ, MA, ME, RI, NH and US VI. I received my Doctorate in Counseling Psychology from Argosy University and two Masters from Webster University in Counseling and Health Administration. I have been practicing for over 20 years and enjoy working with a diverse population of people. I have several areas of expertise and enjoy using them to support my clients in their overall life goals and plans for success.
VirtualAvailable

$165/session

Authentic
Solution oriented
Direct
Specialties
Anxiety
Couples Counseling
Grief
+7
Hello-My name is Richard (Rick) Lally. I graduated with a master's degree in clinical psychology from Connecticut College and have been working in behavioral health for 25 years. I also have been a Licensed Clinical Mental Health Counselor in North Carolina for the past 20 years. I have been able to help individuals from diverse backgrounds with a wide array of issues; depression, grief/loss, stress, anger, relationship distress to name a few. Regardless of whether your need for seeking counseling is one of these matters or something else, please reach out to me and give me the chance to see if I can offer some relief. I welcome the opportunity to meet you.
VirtualAvailable

$200/session

Specialties
Anxiety
Coping Skills
Crisis Intervention
Hi, I'm Quinesha, a licensed clinical social worker in North Carolina. I work with adults navigating anxiety, depression, identity, and life's harder seasons. I believe healing starts with feeling heard, not just labeled. I like to start where you are, and I welcome open conversation on any topic. If you're ready to explore what therapy can look like for you, I'd love to connect.
Available

$100/session

Authentic
Intelligent
Empowering
Specialties
Life Transitions
Career Counseling
Child or Adolescent
+6
Hi there! My name is Erin Dey and I am a licensed clinical social worker located in Chapel Hill, North Carolina. I have a masters’ degree from Columbia University, and I specialize in helping clients successfully navigate challenging life transitions. I work with individuals both in person as well as online. My approach to counseling is solutions-focused, strengths-based, and relational.
VirtualAvailable

$100/session

Authentic
Warm
Solution oriented
Specialties
Anxiety
Depression
Grief
+10
I was raised in Memphis, TN and attended college in Nashville, TN where I received a BS degree. I got married while in college. We moved to Raleigh, NC after graduation. We've been married over 40 years. We have eight adopted children. I began working for the USPS once we moved to NC. After working there for 10 years, I realized that I wanted to change careers and fulfill the dream of helping others in a more practical way. I took a break from work and obtained a MA in Counseling. After receiving my LPC license, I worked in various settings within the counseling field. I have worked in Child Protective Services, worked for a couple of mental health clinics, held a private practice, worked in crisis intervention for 10 years in a hospital setting, returned to the clinic setting, and have once again opened a private practice. I am licensed as a LCMHC and LCAS in NC.
VirtualAvailable

$175/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Couples Counseling
Parenting
+5
I am a Licensed Clinical Mental Health Counselor with 30 years of experience in the mental health field and 14 years of experience operating my private practice. I support adults and couples experiencing anxiety, relationship distress, communication difficulties, parenting concerns, life transitions, diminished self-esteem, trauma-related concerns, and patterns that may be interfering with emotional well-being and healthier relationships. In couples counseling, I provide a balanced and respectful environment where each partner has an opportunity to feel heard. I help couples recognize recurring patterns, improve communication, navigate conflict more constructively, rebuild emotional safety and trust, and strengthen their connection. My role is not to take sides, but to help both partners understand the relationship dynamic and take meaningful responsibility for the changes within their control. I use Cognitive Behavioral Therapy to help clients understand the connections among their thoughts, emotions, and behaviors. Together, we identify beliefs and thinking patterns that may contribute to anxiety, depressed mood, diminished self-esteem, relationship distress, or ineffective coping. Depending on the client’s needs, we may use guided reflection, thought records, structured exercises, role-playing, and between-session practice. With couples, CBT-informed strategies can also help partners examine assumptions, interpretations, expectations, and behavioral responses that contribute to recurring conflict. The goal is to develop greater awareness and practice healthier, more intentional responses. My therapeutic approach integrates evidence-based practices with carefully selected holistic strategies to support insight, emotional regulation, personal growth, and sustainable behavioral change. I meet each client with compassion, curiosity, and respect, helping them identify the underlying beliefs and patterns connected to their current concerns.
VirtualAvailable

$80/session

Warm
Open-minded
Solution oriented
Specialties
Anxiety
Family Therapy
Life Transitions
+10
Hi, I'm Debbie Howard, a Licensed Clinical Mental Health Counselor (LCMHC). Reaching out for support takes courage, and I would be honored to walk alongside you! I have 15 years experience helping individuals, families and youth work through challenges such as life transitions, stress, anxiety, depression, relationship issues, and parenting. I also specialize in helping children and teens build resilience, confidence, and coping skills that support lasting change at home and school. My approach is warm, client-centered, and collaborative. I believe therapy should feel empowering, supportive, and tailored to your unique needs and goals. I integrate a variety of evidence-based practices including Cognitive Behavior Therapy(CBT), Alternative Family CBT, Dialectical Behavioral Therapy (DBT), Acceptance & Commitment Therapy (ACT) , mindfulness, trauma-informed care, and solution focused therapy. Together, we'll focus on building self-awareness, resilience, and lasting positive change in a safe, nonjudgmental space.
VirtualAvailable

Often rebooked

$100/session

Warm
Empowering
Authentic
Specialties
Anxiety
Coping Skills
Women's Issues
+7
I am a Licensed Clinical Social Worker and the owner of Seaside Legacy Counseling, PLLC. I received an undergraduate degree in Psychology, as well as a Masters of Social Work from the University of North Carolina at Wilmington. I have been licensed for over ten years and have experience in a variety of settings including residential treatment, clinical mental health and several schools. I have worked with both children and adult clients experiencing a variety of challenges including anxiety, depression, grief, relationship conflicts, low motivation and difficulty concentrating. I have a wealth of experience partnering with high school aged children, young adults attending college and/or professional careers as well as older adults. I welcome LGBTQIA2S+ clients, and I am a proud and active ally.
VirtualAvailable

Often rebooked

$125/session

Solution oriented
Empowering
Humorous
Specialties
LGBTQ
Self Esteem
Trauma and PTSD
+8
Let’s not sugar coat it! Starting therapy can feel like a HUGE, exciting and terrifying step forward. Let’s not focus on the mountain, let’s focus on what’s right in front of you! You don't have to have it all together, nor do you have to navigate life’s challenges alone. I’m Perleen Daroowalla and I aim to create a safe space where we can be straightforward and honest with each other while working through life’s challenges. I model the same honesty, accountability, and responsibility that I encourage in my clients. Therapy begins with where you are now, factors in where you have been, and builds a plan for where you want to go. You are the expert on your life! The therapeutic relationship is a collaborative process. Together, we will create an individualized plan based off where you want your life to be in a month, 6 months, and/or a year from now. I offer creative and realistic strategies to assist you in tackling life’s challenges. You'll leave sessions with skills you can actively use to accomplish your goals.
VirtualAvailable

$170/session

Warm
Authentic
Intelligent
Specialties
Domestic Violence
Life Transitions
Women's Issues
+9
I am a licensed clinical social worker providing individual and couples therapy for adults navigating relationship challenges, grief and loss, emotional overwhelm and major life transitions. My goal is to help clients identify patterns that keep them stuck, strengthen boundaries and build practical coping strategies that support meaningful, lasting change. My approach is structured, supportive and nonjudgmental, creating space where clients can process challenges and move toward healing and growth. For clients who wish to integrate faith into their counseling journey, I also offer Christian based counseling. In addition to my therapy work, I bring several years of experience as a medical social worker, serving in hospitals, hospices and long-term care settings. This background gives me a deeper understanding of the emotional, relational and practical challenges that often come with illness, caregiving, grief and significant life transitions. I am licensed to practice in IL, NC and OH.
VirtualAvailable

$125/session

Warm
Empowering
Authentic
Specialties
Anxiety
Coping Skills
Self Esteem
+10
Hi, I’m Stephanie, a Licensed Clinical Social Worker and a Certified Clinical Anxiety Treatment Professional (CCATP) who helps individuals struggling with anxiety, low self-esteem, and the constant pressure to please others. My work focuses on creating a safe, supportive space where you can explore what’s behind the stress, self-doubt, and overwhelm you’re feeling. I’ll help you build healthier boundaries, quiet your inner critic, and start showing up more confidently in your life and relationships. Whether you’re feeling stuck or just ready for a change, I’m here to guide you through it with empathy and evidence-based tools.
VirtualAvailable

New to Grow

$125/session

Specialties
Grief
Life Transitions
Trauma and PTSD
+5
I earned my master’s degree in counseling from the University of North Carolina Charlotte. I began my career at Hospice then went to private practice. I believe everyone deserves happiness and peace. With mutual respect, compassion, nonjudgemental curiosity, and motivation, counseling can build resilience, develop coping strategies, and propel the client into a happier, healthier life. The counselor/client relationship should be a collaborative effort. I am certified in women's mental health (including eating disorders), grief and loss and trauma I use evidence-based, trauma-informed modalities including CBT, DBT, CPT, EMDR, MI, Existentialism, Mindfulness, and other person centered modalities. I welcome adult clients of all genders, ethnicities, orientation and religions. I am passionate about partnering with my clients to identify issues, develop treatment plans, and move forward toward their goals. I will help you take meaningful steps toward finding your purpose, exposing your power and resilience and healing.
Available

$120/session

Authentic
Warm
Empowering
Specialties
Anxiety
Life Transitions
Self Esteem
+8
Hey there, I'm Jessica! I'm here to help you sort through the things that are difficult right now, and offer you a safe place to be open and honest without fear of judgement. I specialize in working with adults who are feeling stuck or overwhelmed. I believe everyone has the inner strengths needed to live their best life. But, it can be hard to recognize those strengths through the fog our stress response triggers. If you are looking for how to build confidence, inner peace and stability, you have come to the right place. Overwhelming anxious thoughts, relationship issues, work avoidance, irritable mood, low self esteem, trouble concentrating, problems sleeping; These are some of the more common complaints clients have when first coming to therapy. Together we will work to identify the strategies and support you need to overcome whatever challenges you face. Many people struggle a long time before seeking mental health care. But mental health is health! Just like in other specialties, preventative mental health care can be so effective in avoiding crisis and more serious illness. You do not have to suffer to deserve support! No matter the level of stress you are going through, you are worth taking care of.
VirtualAvailable

$100/session

Authentic
Warm
Solution oriented
Specialties
ADHD
Anxiety
Trauma and PTSD
+9
I’m a licensed clinical mental health counselor in North Carolina who works with adults navigating a variety of concerns like anxiety, depression, trauma, relationship issues, and life transitions. I focus on creating a supportive, nonjudgmental space where clients can feel safe being honest and vulnerable. My goal is to help people understand themselves better, develop practical tools, and create meaningful change in their lives.
VirtualAvailable
Frequently asked questions

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

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.