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 581 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.

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Charlotte

Availability updated: 7/30/2026

$120/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Mood Disorders
Trauma and PTSD
+10
I’m a warm, down-to-earth therapist who believes that feeling safe, understood, and genuinely supported is the foundation for meaningful change. With over 15 years of experience across schools, hospitals, crisis settings, and community-based care, I’ve had the privilege of working with people at many different stages of life—from teens navigating overwhelming emotions to adults facing complex life challenges. My background as both a counselor and school social worker has given me a deep understanding of how early experiences, family dynamics, and life transitions shape who we are. I’ve supported students and families through anxiety, emotional struggles, and difficult situations, and I carry that same patience, empathy, and advocacy into my work with all clients. I’ve also worked in high-intensity environments—including crisis settings, alongside law enforcement, in hospitals, and with veterans, survivors of trauma and domestic violence, and individuals in eating disorder treatment. Because of this, I’m comfortable supporting clients who feel overwhelmed, stuck, or unsure where to start. You don’t have to have everything figured out to begin. In our work together, I focus on creating a space where you can be yourself without fear of judgment. I balance practical tools and coping strategies with deeper exploration, helping you not only manage what you’re going through, but also understand it. My approach is collaborative, supportive, and tailored to you—whether you’re looking for structure, insight, or simply a place to feel heard. Reaching out for therapy can be hard, but you don’t have to do it alone. My goal is to help you feel more grounded, more confident, and more in control of your life.
VirtualAvailable
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$70/session

Warm
Empowering
Solution oriented

Specialties

Mood Disorders
Sexual Abuse
Trauma and PTSD
+10
Hi, I'm Victoria, I've been honing my specialties for 30 years. I specialize in releasing trauma and old beliefs, rewiring mental habits to result in improved confidence, self esteem, clarity to follow dreams and goals. Since training in the bilateral therapies (EMDR, A.R.T., and Brainspotting) I've witnessed healing on a whole new level. Changing beliefs, thoughts and feelings that have been lifelong takes more than talking about, in my opinion. It requires change in the deep sub conscious, a place easily entered and "edited" utilizing these therapies, works much better and faster than only talking. This is my experience, and the reason why I specialize in these deeper, more sub conscious therapies. In addition, there are times when people prefer to talk, gaining much needed insight (light bulb moments) and releasing thoughts they don't feel comfortable sharing with others. Or, you need to problem solve, work through something cognitively. I practice other therapies that utilize talking as a main modality, too. The main priority is that you're comfortable. We will explore and find just that right fit, regarding modalities that work and also feel in sync with your needs.
VirtualAvailable
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$120/session

Authentic
Warm
Solution oriented

Specialties

ADHD
Anxiety
Self Esteem
+9
I am a compassionate, collaborative therapist who supports individuals and couples in achieving their therapy goals using evidence-based approaches such as Cognitive Behavioral Therapy (CBT) and Emotion-Focused Therapy, along with integrative techniques tailored to each client’s needs. I focus on helping clients develop healthier coping skills, improve communication, strengthen emotional awareness, establish balanced routines, and cultivate more fulfilling relationships. My work also emphasizes fostering self-compassion, assertiveness, confidence, and positive perspectives on life circumstances. My approach is direct yet supportive, solution-focused, and grounded in practical tools and guidance, empowering clients to feel confident and supported throughout their therapeutic journey. I bring my genuine self, professional knowledge, and years of experience to create a trusting, collaborative relationship where both client and therapist can feel confident in working together.
VirtualAvailable
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New to Grow

$90/session

Open-minded
Warm

Specialties

Anxiety
LGBTQ
Obsessive-Compulsive (OCD)
+10
I am a multilingual (English, Spanish, & Portuguese) Licensed Clinical Social Worker (LCSW) with clinical experience working with athletes, children, adolescents, and adults, including 2SLGBTQIA+, Latinx, immigrant, and foster/adopted parenting communities. I work with clients individually, dyadically, and in groups. I hope to convey warmth, compassion, and non-judgmental curiosity to every client with whom I am honored to enter into a clinical partnership. Meeting you where you are at, my aim is to provide a safe and confidential environment in which we can collaboratively explore factors that may be impeding your ability to live an engaged and meaningful life on your terms, as well as ways to overcome them. My responsibility as a clinician is to help you feel seen, heard, and understood after every session and more deeply connected to your mind, body, and heart. Recognizing that healing does not occur in a vacuum, I approach my clinical work through an inclusive liberation-focused lens that acknowledges systems of oppression, validates their impact on you, and champions your identities with respect to gender, sexuality, race, ethnicity, religion and spirituality, neurodivergence, body expression and body size, and dis/ability. Navigating the intersection of our respective individual identities through open dialogue, with careful consideration of privileged and historically marginalized identities, is of the highest importance to me.
Available
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$90/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Family Conflict
+9
Hi there! I'm Elizabeth and I am now taking new clients in North Carolina. We can work together to make the changes you want to make in your life. Do you struggle with anxiety, depression, relationship or parenting issues? Do you need someone to walk beside you and assist you as you grow into a healthier version of yourself? You are not alone and I am here to help. I know it can be scary or uncomfortable to ask for help, but when we meet you will be met with understanding, acceptance and compassion. I provide a place where you can be yourself, where you can laugh, vent, curse and cry. I am client-focused and we will journey together at your pace! I use empathy and proven therapeutic techniques to help you reach your goals. I am looking forward to meeting you.
VirtualAvailable
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$150/session

Authentic
Warm
Empowering

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+5
Hi Folx, my name is Daja and I’m a Licensed Clinical Social Worker (LCSW) with over 8 years in clinical practice. I began my career providing family therapy to children, adolescents and families in rural NC communities. From there, I transitioned to a large multi-state psychiatric and behavioral health outpatient practice where I served as both a psychotherapist and Regional Director for three years. After transitioning from that role, I worked in clinical care management with a large corporate insurance company, serving members with complex clinical care needs. As a therapist, I’ve focused my work on supporting folks better manage mental health conditions, cultivate greater joy in their lives and improve their relationships. I sincerely enjoy learning folks’ stories and assisting them as they navigate new and old life challenges/transitions.
VirtualAvailable
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$125/session

Warm
Empowering
Open-minded

Specialties

Addiction
Anxiety
Depression
+5
Hi there, I’m Melissa. If life feels heavy right now, you’re in the right place. When you’re feeling stuck, overwhelmed, or just tired of carrying everything by yourself, it can be tough to know where to start. I work with adults navigating anxiety, depression, substance use, and other challenges who are looking for meaningful, sustainable change and a greater sense of balance in their lives. As a Licensed Clinical Social Worker, my style is collaborative, compassionate, and centered on practical tools you can actually use. I take a whole‑person approach to therapy, which means we may explore how different parts of your life—physical, emotional, social, environmental, and spiritual—are shaping your overall well‑being. My goal is to create a space where you can show up honestly and without judgment as we explore the patterns that may be keeping you stuck and build healthier ways of coping and relating to your thoughts and emotions. You don’t have to navigate all of this on your own. If you’re ready for support and a space to feel heard, I’m here to help you take the next step.
Available
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$100/session

Authentic
Empowering
Warm

Specialties

Anxiety
Coping Skills
Depression
+7
Hiya. My name is Sejal Patel, and I am currently licensed in North and South Carolina, as a LMFT. As a therapist, I show curiosity when my client(s), families, and couples ask me for guidance. Majority of my clients', share the assumption, because I am a therapist, I experience minimal challenges in life and relationships. I wish that was true. My professional education and knowledge has been helpful and useful. Truthfully, the lessons I learned by experiencing failures, challenges, and struggles of life are the true heroes to how I find my solutions. I welcome your curiosity to a collaborative process that combines my professional expertise, your life experience knowledge, and the power of creative solutions.
VirtualAvailable
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New to Grow

$175/session

Specialties

Foster Care/Adoption
LGBTQ
Racism
+10
I work with therapists and seasoned therapy folx who have been deep in top-down processing: they're insightful, self-aware, have read the things, and learned the skills. People who want to work with me are generally curious or drawn to something different: experiential modality, an authentic, therapeutic relationship, bottom-up processing, slowing down, or want to feel more connected to themselves, others, or an experience. If you have energy circling a specific question, issue, concern, or experience and/or are finding yourself missing or longing for something, feeling stuck, wanting more, intellectualizing less, or wanting to feel more connected in some way to what you already know, please reach out.
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New to Grow

$100/session

Specialties

Couples Counseling
Family Therapy
Military/Veterans
+9
Alyssa McCormick, a proud Fayetteville NC native, has dedicated her career to enhancing mental health support in underserved communities. After earning her Bachelor of Social Work degree from Fayetteville State University in 2015 and her Master of Social Work degree from Our Lady of the Lake University in 2019, Alyssa became a Licensed Clinical Social Worker. Her passion lies in normalizing therapy within Black and Brown communities, a mission she actively pursues in her dual roles. As a full-time Military Family Life Counselor at Fort Bragg and a part-time Outpatient Therapist, Alyssa provides comprehensive care to a diverse clientele, including children, teens, and adults. Her therapeutic expertise spans individual, group, couple, and family therapy, reflecting her commitment to addressing a wide array of mental health needs. Before she embarked on her journey of becoming a mental health profession, Alyssa was an elementary school teacher and a high school dance and color guard coach. Her therapy style is laid-back, relatable, and collaborative, creating a space where clients can feel comfortable being themselves without fear of judgment. I believe that meaningful growth happens when people feel genuinely heard and understood, so I strive to build authentic connections while bringing warmth, humor, and compassion into the therapeutic process when appropriate. At the same time, I am intentional and goal-oriented in my work. I combine a supportive, conversational approach with evidence-based interventions to help clients gain insight, develop practical coping skills, and make lasting changes.
Available
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New to Grow

$150/session

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+10
With decades of experience, I offer a welcoming and secure space to help you navigate personal challenges and build lasting resilience. My practice integrates Cognitive Behavioral Therapy (CBT) with mindfulness and motivational techniques. Together, we will examine the links between your thought patterns, emotional states, and physical well-being. My goal is to empower you with practical skills in attention, self-awareness, and self-regulation so you can thrive.
Available
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Often rebooked

$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
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$125/session

Warm
Solution oriented
Empowering

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+1
I strive to create a supportive space where clients feel heard, understood, and empowered to make meaningful change in their lives. My style is tailored to each individual’s unique needs, and I draw from a variety of therapeutic modalities to help clients build practical skills and tools for lasting growth. I especially enjoy working with clients navigating anxiety, trauma, perfectionism, relationship wounds, stress, burnout, and self-esteem challenges. My goal is to help clients gain insight, strengthen coping strategies, improve boundaries and self-expression, and move toward a greater sense of confidence and balance.
Available
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$175/session

Authentic
Solution oriented
Direct

Specialties

Anxiety
Coping Skills
Depression
+10
I have over 30 years experience working with clients in the areas of mental health, addiction, and crisis intervention in various healthcare settings. I have been offering therapy through telehealth since 2022 and find this works well for many clients. For the past 14 years I have also worked specifically with military veterans. I have a casual, "come-as-you-are" outlook and believe strongly in meeting clients where they are in their own therapy and life journey. I work from a non-judgmental and strengths based focus. I tend to be direct and forthright in offering feedback, and I am firmly grounded in accepting each individual's decisions about their own life and ways forward to reach their goals.
VirtualAvailable
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$200/session

Humorous
Empowering
Warm

Specialties

Addiction
ADHD
Anxiety
+10
Hello! My name is Ellie and I am a Licensed Clinical Social Worker. Therapy is a process of self-discovery. My goal for each session is to create a warm, approachable, and safe environment in which clients feel heard, understood, and empowered exploring and addressing issues in therapy, while cultivating self-awareness and healthy coping skills. In my practice, I work to build a caring, authentic, and collaborative client-therapist relationship as I believe fostering and nurturing the therapeutic alliance is the catalyst and essential for achieving and experiencing positive, lasting change in your relationships and life. Some of my areas of expertise include, but are not limited to, depression and anxiety, adjustment disorders, personality disorders, women’s issues, relationship/marital issues, parent-child conflict, hoarding disorder, PTSD and trauma, self-harm and suicidal ideation, attachment issues, eating disorders, self-esteem and body image issues, and grief and loss. The therapy process allows clients to identify and reach their goals and aspirations, find more meaning and purpose and effectively cope with challenging emotions, stress, and adversity. I believe in the healing and change that therapy brings people and believe in the power of tapping into the creative and deeper part of self that promotes true growth.
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$80/session

Warm
Solution oriented
Empowering

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
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$100/session

Authentic
Warm
Empowering

Specialties

Anxiety
Mood Disorders
Peer Relationships
+7
Hi there, I'm Schenika Silver, a Licensed Clinical Mental Health Counselor (LCMHC). I received my counseling degree from Liberty University and been in practice for seven years. I love working with people and assisting them in finding their purpose, healing from past hurts and wounds, and becoming their whole selves for themselves, their families, and their greater community. My clients often share that I am direct in a compassionate way, I provide insight and wisdom, and they feel heard in my presence. Counseling is not just a job for me, it's a part of my purpose.
VirtualAvailable
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$120/session

Authentic
Warm
Empowering

Specialties

ADHD
LGBTQ
Life Transitions
+3
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.
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$120/session

Direct
Open-minded

Specialties

Anxiety
Coping Skills
Depression
+2
Hi, I'm Ingle. I know life can be challenging; It’s not always easy. As one journeys through life there comes a time when we all need the love and support of someone who cares. For this reason, it has always been my passion to help those who are in need of that love and support. With a non-judgmental attitude and a heart of compassion I aim to meet you where you are. My hope is to walk alongside you in an effort to help you achieve your therapeutic goals. I also offered Christian based support as well for those that prefer it.
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$175/session

Empowering
Authentic
Solution oriented

Specialties

Anxiety
Depression
Mood Disorders
+4
Welcome! I am Quarda- Licensed Clinical Social Worker, professional listener, and occasional over-user of sticky notes. I help people untangle the messy parts of life, whether it's anxiety, relationship hiccups, burnout, or just that nagging feeling that something's "off". My style is supportive, down- to-earth, and sprinkled with humor-- because sometimes laughter really is the best medicine (right after actual therapy of course). I use evidence -based techniques and empathy to assist you in making sense of your story and editing it as you may, build resilience, and move forward with purpose. Therapy doesn't have to be stiff or scary-- and if you're ready to do the work (and maybe laugh a little along the way), I'm here for it.
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$75/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Depression
Life Transitions
+5
Greetings, I am a Licensed Clinical Social Worker (LCSW) licensed in California, North Carolina and Florida. I received my Master's in Social Welfare from the University of California, Los Angeles. Most of my career has been focused in health care settings where I have worked as an outpatient behavioral health therapist, inpatient therapist and medical social worker. I bring a whole person approach into my work with clients and strive to provide a safe and supportive environment which facilitates personal growth and healing.
VirtualAvailable
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$175/session

Empowering
Authentic
Warm

Specialties

Anxiety
Peer Relationships
Self Esteem
+4
I am a Licensed Clinical Mental Health Counselor and Christian therapist, prophetic voice,Mentor, and ministry leader called to help people heal, rebuild, and step fully into their God-given identity. I carry both clinical wisdom and spiritual discernment, which allows me to guide people beyond surface-level coping into deep emotional and spiritual restoration. I am a safe place for the strong ones—the pastors, ministry leaders, women of faith, and those who are rebuilding after life has tried to break them. My assignment is to help them confront what has wounded them, heal at the root, and rise again with clarity, boundaries, and renewed purpose. I am also a builder and reformer. I don’t just comfort people, I help them rebuild their lives, their identity, and their leadership from a healthier foundation. Through my therapy, teaching, and ministry, I create environments where people can be honest, go deeper, and experience transformation that impacts both their personal life and their calling. This is not just Therapist this is a transformational experience.
VirtualAvailable
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$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
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$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.
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$70/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Depression
Trauma and PTSD
+5
Welcome! I'm Stephanie Freeman,MSW, LCSW, LCAS. Take a moment to acknowledge you've taken the first step towards bettering your mental health because, let's be honest - starting therapy can be empowering, confusing, or scary, all at the same time. I strive to create a safe and welcoming environment that allows clients to explore obstacles with concerns related to anxiety, depression, and/or self-care. I focus on helping clients develop assertive communication & boundaries with themselves and those around them that can help improve their quality of life. Counseling can foster personal development in whatever way you may be seeking and help build the life you so deeply deserve. If that's what you're looking for, I'm here when you're ready to share.
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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.