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 572 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.

Find therapists near you in

Charlotte

Availability updated: 8/6/2026

$80/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Trauma and PTSD
+10
I believe every person is a light in this world, and that healing requires rediscovering your inner strength, inherent worth, and higher purpose. While every person’s story is unique, we all face universal challenges—navigating a competitive world, understanding who we are, finding meaning in response to suffering, and adapting to change throughout our lives. When stress becomes overwhelming or unmanageable, reaching out for support is something that resilient people do. I bring a holistic counseling approach to my work with clients, with an emphasis on physical, emotional, social, spiritual, and psychological well-being. While it is important to explore the nature and impact of mental illness, I think it is just as important to help clients develop practical strategies to restore balance and learn skills for living a fulfilling life. I integrate counseling techniques from cognitive-behavioral therapy (CBT), trauma informed treatment approaches, psychological "parts" work including Internal Family Systems (IFS) therapy, positive psychology, as well as Eastern and Western philosophical traditions, tailoring my approach to every client's individual needs. I am an inclusive and affirming therapist who is humble and respectful regarding domains of human diversity, and I love exploring with clients dimensions of personal and social identity. I have several years of experience working as a therapist and have been working with clients in helping roles for over a decade. My background includes working as an outpatient therapist in community mental health, higher education, intensive OCD treatment, as well as telehealth and private practice settings. I have prior experience working in other helping roles as well including child welfare, public health, and home healthcare fields. Throughout these experiences, I have remained deeply committed to helping others heal, grow, and thrive. Thank you for taking the time to learn about my approach. I look forward to working with you!
VirtualAvailable

$85/session

Solution oriented
Authentic
Open-minded

Specialties

ADHD
Anger Management
Couples Counseling
+8
Dr. Natika McPherson is a Licensed Clinical Mental Health Counselor Supervisor (LCMHCS), educator, author, and nonprofit founder with more than 25 years of experience serving children, adolescents, and families. She specializes in helping clients navigate emotional, behavioral, relationship, and life challenges while building resilience, confidence, and healthy coping skills. Dr. McPherson utilizes evidence-based approaches, including Cognitive Behavioral Therapy and Solution-Focused Therapy, tailored to each client's unique needs. Her work is grounded in the belief that every individual has strengths that can be developed to create meaningful change, improve relationships, and achieve personal growth and long-term success.
Available

Often rebooked

$100/session

Authentic
Warm
Empowering

Specialties

Anxiety
Depression
Trauma and PTSD
+10
As a Licensed Clinical Social Worker (LCSW), I provide individual therapy sessions via telehealth. I obtained my Master’s Degree in 2017 from the University of North Carolina at Charlotte and have been practicing as a therapist for nine years. My areas of expertise include working with adolescents and adults who are experiencing anxiety, depression, trauma, and ADHD. Additionally, I assist clients who are grappling with relationship difficulties, academic and career pressures, insomnia, attachment issues, and other challenges. I am also an advocate who enjoys working with diverse populations and communities, including LGBTQ individuals, single parents, and minority groups.
VirtualAvailable

New to Grow

$95/session

Specialties

Anxiety
Depression
Grief
+8
Hello, my name is Rhonda Baker. I am a Licensed Clinical Social Worker with over 8 years of counseling experience in both the mental health community and prison setting. As a therapist, I see myself as a compassionate and supportive guide. I value creating a safe, non-judgmental space for my clients to explore their thoughts and feelings. I'm passionate about helping people build resilience and find their strengths. I offer supportive listening, empathy, compassion, and solution focused assistance to help you work toward your own personal growth and goals.
Available

Often rebooked

$85/session

Authentic
Warm
Empowering

Specialties

Anxiety
Eating Disorders
Women's Issues
+10
I’m an experienced therapist who values building strong therapeutic relationships. My approach takes the whole person into account, focusing on both physical and emotional well-being. I primarily use Cognitive Behavioral Therapy (CBT), Polyvagal Theory (PVT), Attachment Theory and Acceptance and Mindfulness practices. I also incorporate Integrative Health Coaching to address any physical factors that may influence mental health. My work focuses on areas such as depression, anxiety, life transitions, co-dependency, weight management, and disordered eating.
VirtualAvailable

$150/session

Authentic
Warm

Specialties

Anxiety
Military/Veterans
Trauma and PTSD
I have over 25 years experience working to resolve mental health concerns. I have a Master's degree in Counseling, and am a Licensed Mental Health Counselor in FL. I have specialized training in resolving trauma, military/veteran issues, anxiety, depression, stress, and strategies for elevating your life experience. I enjoy working with adults 18+ from all walks of life. If you’re ready to gain tools that will help ,you stay grounded, present, and fully engaged in your life.
Available

New to Grow

$90/session

Specialties

First Responders/Healthcare Workers
Military/Veterans
Trauma and PTSD
+9
I come from a first responder family, and it shaped how I understand the people I work with. I built my practice specifically for law enforcement, fire, EMS, dispatchers/911, and veterans — people who carry things most providers have never had to sit with, let alone treat. I'm not interested in being another therapist who nods along without understanding the job. I get it, and that changes what happens in the room. Not all the work is about the job, either. Plenty of clients come to me for personal issues — relationship struggles, childhood stuff, grief, anxiety, things that have nothing to do with the badge or uniform. Being from this world just means I already understand the context you're operating in, whatever you're bringing to the room. I use evidence-based treatments — including EMDR, Brainspotting, and Prolonged Exposure, among others — to help clients process trauma that others may not fully understand. I also draw on Critical Incident Stress Management and Psychological First Aid for cumulative exposure, not just single-incident trauma. Whether it's an officer-involved shooting, years of runs finally catching up with someone, or something from long before the job started, I know how to work with it directly instead of dancing around it. My style is direct and less formal. I'm not going to make you explain your job to me or treat your coping mechanisms as automatically pathological. I'll call things what they are and won't waste your time with fluff. I work entirely via telehealth — meet with me from home, your vehicle between calls, wherever gives you privacy. If you want a therapist who won't flinch and actually understands the world you operate in, I'd like to work with you.
Available

$200/session

Humorous
Empowering
Intelligent

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.
Available

New to Grow

$180/session

Specialties

Anxiety
Couples Counseling
Eating Disorders
+10
I’m Ayushi Acharya, a licensed therapist and founder of Rich Within Therapy. My practice supports individuals, teens, couples, and families navigating anxiety, depression, eating disorders, body image concerns, relationship stress, fertility challenges, postpartum transitions, and the weight of cultural or family expectations. My approach is warm, grounded, and collaborative. I help clients better understand their patterns, build emotional safety, strengthen relationships, and create lives that feel more connected, sustainable, and rich from within.
Available

New to Grow

$125/session

Empowering
Intelligent

Specialties

Anxiety
Depression
Life Transitions
I am a Licensed Professional Counselor (LPC) in Missouri and a licensed clinical mental health counselor (LCMHC) in North Carolina who specializes in supporting trauma survivors and individuals who are in life transitions to navigate emotional healing, identity transitions, and relationships. In my work, I use Cognitive Behavioral Therapy and Person-Centered Therapy to help you connect with your inner self, challenge negative self-talk, and reframe thoughts that keep you questioning yourself. I offer a warm, safe, and collaborative space where you are seen and heard.
Available

$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

Often rebooked

$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

Often rebooked

$150/session

Warm
Authentic
Humorous

Specialties

Depression
Obsessive-Compulsive (OCD)
Trauma and PTSD
+6
My name is Anna and I am a Licensed Clinical Mental Health Counselor (LCMHC) and I specialize in Clinical Complex Trauma with children, teens and adults. I have also worked with various mood disorders and helping many through difficult phases in life. I have worked with individuals and families for about 8 years, both online and in private practice. My passion is to help those who have hit a rough patch and need help making their way to the other side. Working with mothers during and after pregnancy has become a passion as I myself am a mother and can provide empathy and insight to these particular experiences.
VirtualAvailable

$200/session

Warm
Authentic
Open-minded

Specialties

ADHD
Anxiety
Life Transitions
+8
If your brain never fully shuts off, you overthink everything, or you feel mentally exhausted even when life looks “fine” from the outside, you’re in the right place. I work best with thoughtful, reflective adults navigating anxiety, ADHD, burnout, relationship patterns, life transitions, and the pressure of trying to hold everything together. Many of my clients are young adults, college students, and working professionals who are thoughtful, high-functioning, and often spend more time in their own heads than they’d like. My approach is conversational, direct, and insight-oriented. I don’t believe therapy is about me having all the answers. You are the expert on your own life. My role is to help you identify patterns, challenge assumptions, explore different perspectives, and uncover solutions that already fit who you are. Clients often appreciate my open-minded approach, curiosity, and ability to create a space where they can think out loud without judgment. Therapy with me is less about being told what to do and more about developing a deeper understanding of yourself and how you want to move through the world.
Available

$125/session

Warm
Authentic
Empowering

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

New to Grow

$115/session

Specialties

Anxiety
Coping Skills
Depression
+5
For over 25 years, I have had the privilege of working as a behavioral health professional, dedicating my career to the mental and emotional well-being of individuals from all walks of life. As both a Licensed Clinical Mental Health Counselor and a Certified School Counselor, my experience spans all age groups, allowing me to meet you exactly where you are.
Available

$150/session

Authentic
Warm
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

$100/session

Authentic
Warm
Direct

Specialties

Anxiety
First Responders/Healthcare Workers
Life Transitions
+4
Hello! I am a licensed therapist in both North Carolina and New York. I find great fulfillment in working with individuals needing assistance in better managing their mood stability, emotions, anxiety, relationships, codependency, and life adjustment stressors. Reaching out to a new therapist for the first time can feel overwhelming and very vulnerable. My main goal is always helping potential and established clients feel safe, respected, and heard. Feel free to reach out to discuss your needs and how I may be of assistance in your emotional journey.
VirtualAvailable

$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

$145/session

Warm
Empowering
Authentic

Specialties

Grief
LGBTQ
Life Transitions
+7
Hello there, my name is Joy. I think it is wonderful that you have decided to try therapy. Deciding to come to therapy is a big decision and takes courage. My passion is for individual psychotherapy. People come to work with me on issues such as depression, anxiety, grief/loss, life transitions and relationship concerns. I have expertise in each of these problems and feel that it is an honor to be invited to accompany my patients on this part of their journey. I am passionate about social justice, my work and making the world a better place. I am an anti-racist, anti-sexist, and LGBTQIA+ affirming clinician.
VirtualAvailable

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

$160/session

Authentic
Solution oriented

Specialties

Depression
First Responders/Healthcare Workers
Men's Issues
+10
I believe meaningful change begins with understanding ourselves rather than judging ourselves. As a Licensed Clinical Social Worker, my approach is honest, collaborative, and practical, blending evidence-based approaches with curiosity, compassion, and authenticity. Together, we'll explore your experiences, develop practical tools, and identify meaningful changes that align with the life you want to live. I work with older adolescents (16+), and adults from diverse backgrounds, having supported individuals across outpatient, community-based, and inpatient behavioral healthcare settings. While I welcome clients of all genders, I'm intentionally building a specialty in helping men navigate the unique pressures of masculinity, relationships, fatherhood, identity, burnout, and life transitions. My experience working across a variety of behavioral healthcare settings has also given me firsthand insight into the unique challenges faced by healthcare professionals, including nurses, physicians, nurse practitioners, physician assistants, therapists, paramedics, EMTs, and other emergency responders. I understand the realities of chronic stress, secondary trauma, compassion fatigue, burnout, and the emotional weight that often comes with caring for others. Whether you're navigating anxiety, depression, trauma, grief, life transitions, or simply feeling stuck, my goal is to create a space where you feel heard, understood, appropriately challenged, and supported. We'll move at a pace that reflects your individual needs while working toward greater clarity, healing, and lasting growth.
Available

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

$160/session

Authentic
Warm
Direct

Specialties

Grief
Mood Disorders
Trauma and PTSD
+10
Trauma has haunted you for years. It’s left you with nightmares and flashbacks. It’s caused you to distrust others and push them away. It’s made you feel broken and hopeless. You’ve tried everything you can think of to shed the weight of the past. You’ve read the books, tried the life hacks… You may have even talked to a therapist. But now, you’re out of options. Nothing has helped you transition from being a survivor to someone who’s truly alive. And you’re all talked out. No matter how many times you tell your story, nothing changes. The search for relief is exhausting. This might be your last shot at getting help.
VirtualAvailable

$95/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Coping Skills
Grief
+4
I am a Licensed Clinical Mental Health Counselor in North Carolina and have been practicing for over 10 years. I received my Master's Degree from The University of North Carolina at Chapel Hill. I enjoy helping individuals find balance and contentment in their lives. I enjoy helping individual who have experienced trauma work through difficult emotions, feelings and beliefs in order to live more balanced and meaningful 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.