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 561 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: 9/13/2026

$300/session

Authentic
Empowering
Warm
Specialties
Couples Counseling
Parenting
Sex Therapy
+10
I'm Dr. Ehsan Adib Shabahang, founder of AtReef Therapy PLLC and a Licensed Mental Health Counselor (LMHC) and National Certified Counselor based in Cambridge, Massachusetts. I hold a PhD in Psychology with a concentration in social psychology and a master's degree in Clinical Mental Health Counseling. My practice provides integrative, depth-oriented therapy for couples and individuals, conducted entirely through secure telehealth. I work most often with high-achieving adults and couples who function well professionally but find themselves facing patterns that intelligence, success, or effort alone have not resolved: recurring conflict, emotional distance, perfectionism, burnout, anxiety, and questions about identity, meaning, and direction. My clinical approach draws on relational and depth psychology, Jungian psychology, Cognitive Behavioral Therapy, Dialectical Behavior Therapy, and Gottman Method Couples Therapy, integrated according to each client's needs rather than applied as a fixed protocol. I am also the developer of Self-Reflective Relationship Therapy (SRRT), a research-informed framework that emphasizes self-reflection, emotional responsibility, and translating insight into real behavioral change. Therapy with me is not only about understanding why a pattern exists. Insight matters, but it is not the goal on its own. I focus equally on what changes in your communication, boundaries, emotional regulation, and decisions once that understanding is in place. I see couples working through betrayal, disconnection, and recurring cycles of conflict, and I see individuals navigating anxiety, burnout, identity transitions, and the gap between a capable public self and a more uncertain private one. I also bring particular attention to intercultural relationships and cross-cultural identity, informed by my own doctoral research and background working across cultures. If you are looking for a therapist who will engage directly, take your patterns seriously, and hold you accountable to real change rather than surface-level coping strategies, I would be glad to work with you.
VirtualAvailable

$85/session

Warm
Authentic
Direct
Specialties
Addiction
Anxiety
Depression
+9
I am a Licensed Professional Counselor in SC, PA, TN, and NC. I specialize in helping clients and family members with addiction issues, Obsessive Compulsive Disorder, and PTSD. I also assist clients experiencing anxiety, depression, grief and loss, and can provide relationship and couples counseling as well. I have been practicing for over 10 years and have an empathetic and passionate approach. I love working with all ages however age 10 and above appears to work well for online therapy.
VirtualAvailable

$150/session

Solution oriented
Authentic
Direct
Specialties
Life Transitions
Self Esteem
Trauma and PTSD
+10
Hi, I’m Joe. I’ve worked in the mental health field for 27 years across substance use treatment, outpatient care, and hospital settings. I’ve supported individuals and families through crisis, transition, and long-term growth. I work well with young adults, adults, and families who are navigating stress, trauma, anxiety, depression, substance use, or major life changes. I also have extensive experience working with men who may struggle to express emotions directly and instead feel stuck in withdrawal, irritability, or self-doubt. As a veteran, I understand the mindset and pressures that can come with military life. Across all of my work, I aim to provide a grounded, steady presence where honesty, insight, and meaningful change can take place.
VirtualAvailable

$120/session

Direct
Authentic
Warm
Specialties
Anxiety
Depression
Family Conflict
+10
I am a Licensed Clinical Social Worker and have been providing mental health therapy for 30 years. I offer a supportive, empathic ,safe environment for clients to explore issues they are dealing with. I am experienced in working with diverse populations including adults, adolescents, families, and couples. I find that helping people develop successful communication skills is a common theme across almost all client situations. Building on client strengths helps people address issues and create coping skills. My approach is individualized to the persons unique characteristics.
Available

$110/session

Open-minded
Warm
Specialties
Life Transitions
Trauma and PTSD
Women's Issues
+4
I am a bilingual  (Spanish/English) therapist and licensed clinical social worker in North Carolina. I love working with people from diverse backgrounds, and for that reason, I returned to graduate school after retiring as a teacher and school administrator. I have worked with teens in area schools and also with adult clients in the Latino community, those struggling with life transitions and caretaking of loved ones. I am committed to providing you with support, compassion, and a safe space to be seen and heard. Soy terapeuta bilingüe (español/inglés) y trabajadora social clínica licenciada en Carolina del Norte. Me encanta trabajar con personas de diversos orígenes y, por esa razón, regresé a la escuela de posgrado después de jubilarme como maestra y administradora escolar. He trabajado con adolescentes en escuelas de la zona y también con clientes adultos en la comunidad latina y los que cuidan de sus familiares. Estoy comprometida a brindarte apoyo, compasión y un espacio seguro donde puedas ser visto y escuchado.
VirtualAvailable

$105/session

Authentic
Solution oriented
Warm
Specialties
Anxiety
Depression
Women's Issues
+10
As a licensed clinical mental health counselor, I've spent years helping individuals find their way through life's ups and downs. Whether you're struggling with anxiety, navigating a difficult relationship, or simply need someone to talk to, I'm here to listen without judgment. I believe in the power of human connection and the ability to heal. Together, we'll explore your unique story and work towards a brighter future.
VirtualAvailable

New to Grow

$125/session

Specialties
Anxiety
High Clinical Acuity
Trauma and PTSD
+10
Hi, I’m Jonny. I’ve been practicing as a clinician in Western North Carolina since 2016, beginning in community mental health with children and families before transitioning to private practice with adults. That background shaped my core belief that mental healthcare should be accessible, humane, and deeply personal. In my practice, I offer a warm, collaborative space where we balance practical, incremental steps with your bigger-picture goals for meaningful growth. I’d love to connect and talk about what we can accomplish together.
Available

Often rebooked

$100/session

Authentic
Intelligent
Solution oriented
Specialties
Anxiety
Life Transitions
Self Esteem
+9
I am a Licensed Psychologist based in the state of North Carolina. I have an MA from the University of Minnesota and a PhD from the University of Wyoming, and have more than 35 years of clinical experience in various settings. I specialize in offering Online Counseling Services for Adults. My main field of expertise is issues relating to stress, anxiety, and depression which arise from life’s various challenges, and which keep us from living up to our full potential at work, in our relationships, and in our lives in general. I work with individuals, as well as with couples.
VirtualAvailable

New to Grow

$100/session

Specialties
Anxiety
Emotional Regulation
Self Esteem
+10
What if you didn’t have to choose which version of yourself gets to be heard? The confident you. The worried you. The one who wants change. The one who wants things to stay familiar. They can all be there at the same time. And instead of trying to silence one over the other, therapy can help you understand what each one is bringing to the table.
Available

New to Grow

$165/session

Empowering
Humorous
Intelligent
Specialties
Anxiety
Chronic Illness
Obsessive-Compulsive (OCD)
Welcome! I have been a therapist for over 15 years, I work with adults 18+, and I specialize in chronic pain/illness, anxiety, and am trained in providing ERP for OCD. If the following sounds like you, lets chat: Having thoughts loop over and over again and running through worst case scenarios? Coping skills not working and struggling with mental or physical compulsions trying to ease that high fear and distress, only to find it's not really working? Suffering from chronic illness or pain and feeling depressed/anxious, and wondering how you’re going to adapt to your new life?
Available

New to Grow

$175/session

Specialties
Anxiety
Life Transitions
Spirituality
+3
Stability can often be disrupted in life when you are going through a major transition. This instability can bring about all kids of symptoms, including anxiety, depression, and relationship challenges. Regardless of the challenges you are currently facing, getting input from a professional outside perspective can hep you make sense of things, creating a clearer path back to stability. If you are looking for help right now, it means you have already begun to take proactive steps towards more peace in your life. I'm a Licensed Marriage and Family therapist with over 20 years of experience helping people find their strength and gain perspective that helps pull them forward. Sometimes it only takes a few sessions to help you feel more grounded on your path.
VirtualAvailable

New to Grow

$110/session

Specialties
Anxiety
Depression
Grief
+6
Hey There! My name is Brandy Jones and I aim to create a space where you will not be judged, but will be unconditionally supported as we navigate through your concerns and fears. I believe that you are the expert on your life, and will bring my expertise in therapy to collaboratively find the relief and the balance that you seek. I have a Master degree in Addiction Counseling and Professional Counseling from Grand Canyon University. I currently serve adolescents and adults with mental health and substance use disorders, using CBT, Person-Centered Therapy, Trauma Informed Therapy, Grief counseling and EMDR informed treatment.
Available

$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

Often rebooked

$150/session

Warm
Authentic
Empowering
Specialties
Anxiety
Depression
Life Transitions
+6
Hello! I aim to help you grow through what you go through. I’m someone who truly values depth, authenticity, and connection, and I show up to this work with a lot of curiosity and care. I genuinely want to understand you, not just what you are going through, but how you experience the world. I’m driven by compassion and empathy, and I focus on building a strong, trusting relationship where you feel safe enough to be real, whether that looks messy, uncertain, or still unfolding. I’m not here to judge or “fix” you, but to walk alongside you as you make sense of your experiences, connect more deeply with yourself, and move toward a life that feels more aligned and fulfilling. My approach is strengths-based, holistic, and tailored to you as an individual. I draw from modalities like CBT, DBT, mindfulness, somatic techniques, and parts work, depending on what best fits your needs and goals. I believe in meeting you where you are, validating your experiences, and helping you uncover your own insight, strengths, and direction. My goal is to create a space where you feel supported, understood, and empowered to grow into the version of yourself that feels most authentic to you.
VirtualAvailable

$125/session

Direct
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

$90/session

Warm
Authentic
Solution oriented
Specialties
Addiction
Anxiety
Depression
+7
I am a Licensed Clinical Social Worker in North Carolina with 10 years of counseling experience. I received my Master's Degree in Social Work from the University of North Carolina at Chapel Hill and have spent many years working in community behavioral health. My training and my work have shaped me into a clinician that understands a person's environment is as important as their mindset. You will find me to be supportive and an advocate for my clients complete health.
VirtualAvailable

Often rebooked

$115/session

Authentic
Empowering
Open-minded
Specialties
Anxiety
Depression
Self Esteem
+4
I’m a Licensed Counselor with several years of experience supporting late-teens, young adults, and adults experiencing anxiety, life transitions, interpersonal difficulties, and the lasting impact of past experiences. I work especially well with individuals who feel overwhelmed, stuck, or disconnected, even when they appear to be functioning well on the outside. Many of the people I work with are looking for greater clarity, confidence, and direction in their lives. My goal is to create a space where you can slow down, make sense of what you're carrying, and better understand yourself without judgment. Together, we'll explore the patterns, experiences, and relationships that have shaped you while working toward meaningful changes that help you feel more grounded, connected, and aligned in your daily life.
VirtualAvailable

$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

$150/session

Authentic
Warm
Empowering
Specialties
Couples Counseling
LGBTQ
Life Transitions
+4
COUPLES-Please note that most insurances will not cover the cost of couples session unless the reason for counseling is related to the a mental health diagnosis for the insured partner so the sessions will be billed as self pay. I have over 20 years of experience helping adults and couples navigate life's challenges in a safe, supportive, and nonjudgmental environment. My goal is to create a space where you feel heard, respected, and empowered to make meaningful changes that align with your values and goals. As a Certified Sex Therapist and CBT-certified therapist, I use an integrative approach to treatment, tailoring therapy to meet your unique needs rather than relying on a one-size-fits-all model. While Cognitive Behavioral Therapy (CBT) serves as one foundation of my work, I also incorporate evidence-based techniques from other therapeutic approaches to provide individualized care. I have experience working with clients facing anxiety, depression, relationship challenges, intimacy and sexual concerns, LGBTQIA+ issues, military-related experiences, and major life transitions. Whether you're navigating communication difficulties, rebuilding trust, managing stress, exploring your identity, or working toward greater emotional and relational wellness, I am committed to helping you develop practical skills and lasting insight. I believe therapy is a collaborative process built on trust, authenticity, and compassion. Together, we will identify your strengths, explore patterns that may be keeping you stuck, and develop strategies to help you move forward with confidence. My approach is warm, direct, and solution-focused while honoring your pace and individual experiences. Seeking therapy is a courageous step, and I consider it a privilege to walk alongside my clients throughout their journey. I am passionate about helping people build healthier relationships, improve emotional well-being, strengthen resilience, and create fulfilling lives that reflect who they truly are.
VirtualAvailable

$105/session

Intelligent
Warm
Authentic
Specialties
Anxiety
Depression
Grief
+7
I am a licensed therapist in North Carolina with over 35 years of professional experience. I have extensive experience supporting clients through stress and anxiety, relationship challenges, trauma and abuse, and concerns related to motivation, self-esteem, and confidence. In addition to traditional therapeutic approaches, I also offer spiritual counseling, with a particular focus on Christian perspectives for those who desire it. I respect each client’s individual beliefs and integrate spiritual support only when it aligns with their values and goals. My approach centers on creating a safe, open, and nonjudgmental environment where you can explore your thoughts and emotions freely. It takes courage to seek a more fulfilling and joyful life, and I deeply honor that step. My role is to support and empower you as you move toward healing, growth, and a stronger sense of purpose. Together, we’ll work to uncover your strengths, build resilience, and help you move toward the life you envision.
VirtualAvailable

New to Grow

$120/session

Specialties
Anxiety
Couples Counseling
Life Transitions
+5
I’m a licensed professional counselor who helps adults and teens navigate anxiety, depression, relationship challenges, life transitions, stress, and personal growth. My approach is warm, practical, and collaborative. I work with clients to better understand recurring patterns, develop healthier ways of coping and relating to others, and create meaningful, lasting changes that fit their individual goals and circumstances.
Available

$100/session

Authentic
Empowering
Warm
Specialties
Depression
LGBTQ
Spirituality
+3
Candace “NIX” Fritts is a licensed Zumba instructor, yoga instructor and Licensed Clinical social worker. She has been teaching Zumba over 5 years and has utilized her passion for healing and helping others as a therapist over the past decade. “NIX” specializes in and has a passion for cultural diversity, gender identity/LGBTQIA+ issues, equality, relationship/marital issues, depression, anxiety, and Trauma. She defines "empathy" as her number one skill and superpower. In addition “NIX” is a huge advocate and member of the LGBTQIA+ community. She is also a member NAACP and the Black political caucus of Cabarrus County. NIX also encourages health and wellness with a belief that healing can be achieved in various ways. Fun Fact: NIX was once a contestant on “Lets make a Deal”
VirtualAvailable

$220/session

Authentic
Warm
Empowering
Specialties
Anxiety
Bipolar Disorder
Depression
+10
Kudos to you for recognizing the need to focus on your overall well-being including your mental health. At the beginning of therapy many individuals often feel overwhelmed with various emotions, especially talking to a stranger about their concerns. I seek to make my clients feel welcomed and heard by working with them to identify past and present life events and the impact they have on their interactions internally and externally. 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 sets the stage for self-awareness, healing, grieving, feeling empowered which can lead to change and growth. What you allow will continue, and change is a personal choice. If you’re ready to challenge yourself and create the life you want, I look forward to working with you.
VirtualAvailable

$60/session

Authentic
Empowering
Humorous
Specialties
Anxiety
Bipolar Disorder
Depression
+5
I have been in the mental health field for over 20 years in a variety of settings. My experience ranges from working in a juvenile detention center, drug and alcohol rehabilitation centers, community mental health centers, psychiatric residential treatment facilities, and outpatient counseling centers. I have worked with major mental health, families, couples, as well as children and adolescents. I specialize in working with families, couples, and adolescents.
VirtualAvailable

$125/session

Warm
Authentic
Intelligent
Specialties
ADHD
Hi, I’m Michelle. If you feel overwhelmed, disorganized, stuck in procrastination, or frustrated that everyday tasks seem harder than they should, you’re not alone, and you’re not lazy or broken. I specialize in helping adults with ADHD, including those who are newly diagnosed, have lived with ADHD for years, or are beginning to wonder whether ADHD may explain some of their struggles. Together, we explore how ADHD may affect the way you think, feel, function, relate to others, and navigate everyday life. My approach is warm, collaborative, practical, and strengths-based. I draw from Cognitive Behavioral Therapy (CBT), mindfulness-based therapy, psychoeducation, and executive-functioning support to help reduce shame, increase self-understanding, and build practical tools that fit your life and the way your brain works. When appropriate, I may also incorporate EMDR to address distressing experiences, chronic shame, or negative beliefs that have developed through years of criticism, rejection, or feeling misunderstood. My work is also shaped by personal experience with ADHD, which has provided additional perspective alongside my professional training. This combination allows me to approach clients with both clinical expertise and an appreciation for the nuanced ways ADHD can affect daily life. My goal is to help you feel more confident, capable, and supported in creating a life that works with your brain rather than against it. For clients who would like to incorporate their faith into therapy, I also offer Christian counseling in a supportive and natural way.
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.