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 568 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: 4/23/2026

$90/session

Authentic
Warm

Specialties

Addiction
Bipolar Disorder
Depression
+5
I am a Clinical Mental Health Counselor and have been in the Mental Health field for almost 10 years. I am also an Addiction Specialist Associate. I have experience working with clients of all ages and are from diverse backgrounds. My approach to counseling is to listen with empathy, to empower, and to be solution oriented and supportive while assisting you with your goals.
VirtualAvailable
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New to Grow

$200/session

Specialties

Life Transitions
Self Esteem
Women's Issues
+5
Therapy is the most effective when you feel genuinely connected to the person walking along side you. I take pride in meeting clients where they are, no matter the chapter of life they’re in. I strive to offer both stability and flexibility, recognizing that the world can feel overwhelming at times, but together, we can make it feel more manageable.
VirtualAvailable
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$87/session

Direct
Empowering
Solution oriented

Specialties

Anxiety
Depression
Trauma and PTSD
+6
I’m a Licensed Clinical Social Worker experienced in working with individuals navigating both substance use, serious mental illness, and a variety of mental health concerns. I received my MSW from the University of Kentucky and specialized in Clinical Social Work. I’m truly passionate about helping people find their own way through recovery, focusing on building a life that actually feels authentic and sustainable for you.
VirtualAvailable
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$100/session

Warm
Authentic
Direct

Specialties

ADHD
Anxiety
Family Conflict
+4
My name is Maggie Carswell, Licensed Clinical Social Worker. I have been in the therapeutic field since 2018. With a passion for promoting realistic goals and achievements, I am looking forward to working with clients to assist them in progressing towards positive change in their life while creating a transparent space that is free from judgement. We will work together to create trust, empowerment, build self confidence, and learn practical tools that can be used to assist in navigating the complexities of life.
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New to Grow

$140/session

Specialties

Anxiety
Couples Counseling
Family Conflict
I'm Redonno Carmon, a Licensed Marriage and Family Therapist who specializes in working with couples. I help partners who want to feel connected again but find themselves buried under arguments, silence, or mistrust. I guide couples through the sometimes difficult, but often rewarding, process of understanding the patterns behind their disconnection so they can rebuild trust, improve communication, and reconnect. I also work with individuals navigating relationship challenges or looking to better understand themselves and their relationship patterns.
VirtualAvailable
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$120/session

Warm
Authentic
Empowering

Specialties

Family Conflict
Life Transitions
Women's Issues
+10
I'm a laid-back, compassionate therapist who takes the time to really get to know you, your story, values, and what feels important right now. I create a space where you can talk openly without judgment, and we move at your pace. I pull from different therapeutic tools depending on what fits best for you, and together we determine what helps you feel supported and move toward the life you want. I help individuals (ages 11+) and couples navigate anxiety, depression, stress, self-esteem, and life or relationship challenges with compassionate, person-centered, and evidence-based support. Whether you're facing life changes or seeking emotional resilience, I provide a safe space and practical tools to foster growth, clarity, and lasting well-being. Taking the first step toward gaining support can feel daunting, but you’re not alone. Together, we can explore ways to build resilience and gain clarity, helping you move forward with confidence.
VirtualAvailable
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New to Grow

$90/session

Specialties

Addiction
First Responders/Healthcare Workers
Trauma and PTSD
+10
I bring humor into therapy when it fits, but what really drives my work is curiosity. I like helping people slow down, look at what is going on beneath the surface and understand why they keep running into the same problems. Together, we look at patterns, experiences and habits that may be shaping the problems that brought them in. I use evidence-based approaches to help clients build insight, make practical changes and move toward the life they want.
VirtualAvailable
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Often rebooked

$80/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Depression
Trauma and PTSD
+10
I believe that every person is a light in this world, and in order to heal from pain and suffering we must discover our inner strength, inherent worth, and greater purpose. Everyone is subject to the same universal challenges in life. Some of these include meeting our needs in a competitive society, discovering who we are, understanding the meaning of our lives, and coping with change. When stress becomes overwhelming, and when life becomes a struggle, this is the time to reach out for help. My approach to helping clients is very much influenced by humanistic psychology. Understanding the nature and dynamics of suffering is important, but I believe my most important task as a therapist is to help clients learn strategies for regaining wellness and fulfilling their potential. In my role as a therapist I incorporate counseling techniques that are based on cognitive-behavioral theory, polyvagal theory, psychodynamic therapy, and dialectical theory. I have over 10 years of experience working with clients in different roles. Before working in private practice, I worked as an outpatient therapist for a community mental health clinic during the COVID-19 Pandemic, as a college counselor. While pursuing my graduate degree, I worked in the child welfare field for abuse/neglect courts. Prior to graduate school, I worked as a tobacco cessation specialist in the public health field, where I facilitated support groups for clients with nicotine addiction. My journey into the helping professions started in 2005 when I began working as a certified nursing assistant and caregiver for clients with developmental disabilities and the elderly. For many years, I have been motivated to help and heal others. Thank you for reading about my personal counseling philosophy. I am looking forward to working with you!
VirtualAvailable
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$70/session

Authentic
Humorous
Open-minded

Specialties

Anxiety
Trauma and PTSD
Women's Issues
+10
My counseling approach is characterized by a combination of honesty, empathy, and compassion, complemented by a subtle touch of humor. I employ an eclectic counseling approach that encompasses various therapeutic modalities, including Cognitive-Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), Play Therapy/Child Centered Play Therapy, Art Therapy, and Solution-Focused therapy. I believe there’s no one-size-fits-all approach to therapy, so I focus on what works best for each person. I’m committed to adjusting my style to fit each client’s unique needs and challenges. In my free time, I live for spending quality moments with my two pups and close friends. Additionally, I relish day trips and attending performances featuring Drag Queens. I look forward to the opportunity to provide you with the support you need on your therapeutic journey.
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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$110/session

Authentic
Warm
Open-minded

Specialties

ADHD
Anxiety
Coping Skills
+9
I am a fully licensed clinical social worker with nearly 10 years of experience in the field. I am currently licensed in two states. My experience varies from therapeutic mentor, supervisor for other LCSW, and one on one with persons served as a therapist/clinician. My approach is strength-based and person-centered. I work with ages from 6 and up with a focus on adolescents, teens, and adults.
VirtualAvailable
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New to Grow

$100/session

Specialties

Military/Veterans
Life Transitions
My name is Chris; I am a 42-year-old Veteran and Licensed Clinical Social Worker/ Licensed Clinical Addictions Specialist. I have been working mainly with populations with trauma, Severe-Persistent Mental Illness, Veterans, LGBTQ+, and those in Recovery (Struggling with Addiction). After having my son, I felt a calling to try and support others with this new transition in their lives. Using my mistakes, successes, and educational background to help guide them.
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$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
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$103/session

Authentic
Warm
Solution oriented

Specialties

Crisis Intervention
Depression
Hello, I'm Carrie, an LCSW therapist based in North Carolina. I received my Bachelors from Winston Salem State University and my Master's from the University of North Carolina-Chapel Hill with over ten years of experience as a therapist in many settings with various age groups. I practice therapy to assist others with achieving their goals in the most effective and in a timely manner.
VirtualAvailable
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$125/session

Warm
Open-minded
Authentic

Specialties

Anxiety
Trauma and PTSD
Women's Issues
I am a compassionate mental health professional with over 13 years of experience who is committed to helping individuals, couples and families navigate life’s challenges with clarity, resilience, and purpose. I bring a strong background in counseling and psychology, with experience supporting clients across a range of concerns including depression, anxiety, stress, life transitions, relationship issues, trauma and emotional regulation.
VirtualAvailable
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Often rebooked

$150/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Life Transitions
+7
Hi, I'm glad you’re here. I’m Liz Sullivan, and I specialize in helping stressed out, busy achievers find their joy in life, and gain control over stress, anxiety and overthinking. When I meet them, my clients often say life feels like a grind. They are accomplished doers, always busy, but often feel stressed, frustrated and lonely. Everything is on their to-do list (except themselves), and they are realizing they want things to be different. It's possible to let go of your stressors, feel relaxed, enjoy your relationships, and have the energy to do what you love. My expertise is in teaching the tools that will help you break free from what feels like an endless stream of demands with no satisfying finish line. Using research proven mind and body techniques, we'll remove what’s blocking you from experiencing the joys of life. Together, we will find better ways to live your life so you can enjoy and put your energy towards what's important to you. You'll discover a balance that feels good and learn to actually relax and have fun again.
VirtualAvailable
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Often rebooked

$115/session

Authentic
Open-minded
Warm

Specialties

ADHD
Anxiety
Depression
Hello! My name is Jeff Helms. I am a Licensed Clinical Mental Health Counselor based in North Carolina. Additionally, I am a Licensed Professional Counsellor (LPC) in the state of South Carolina. I received my Masters from the Palm Beach Atlantic University and have been practicing for 10 years. I help adults struggling with depression and anxiety as well as trauma. Additionally I am EMDR trained.
VirtualAvailable
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$80/session

Authentic
Intelligent
Direct

Specialties

ADHD
Anxiety
Mood Disorders
+10
I work with adults who feel overwhelmed by anxiety, ADHD, or depression and want practical tools to regain stability and direction in their lives. Many people come to therapy feeling stuck in patterns that are difficult to break—racing thoughts, difficulty focusing, emotional overwhelm, or relationship stress. Therapy provides a space to slow down, understand what is happening beneath the surface, and begin developing healthier ways of responding. I am a North Carolina–based therapist with experience helping individuals navigate depression, anxiety, ADHD, and emotional regulation difficulties. I also work with individuals with ADHD who struggle with focus, organization, motivation, and emotional regulation. Many people with ADHD are intelligent and capable but feel frustrated by procrastination, burnout, or difficulty managing daily demands. Together we work on strategies that support how your brain naturally functions rather than fighting against it. My approach is collaborative and grounded in building a strong therapeutic relationship. I integrate cognitive-behavioral, interpersonal, and humanistic approaches while focusing on practical skills, insight, and long-term growth. Therapy is not about fixing you. It is about helping you understand yourself more clearly and developing tools that allow you to move through life with greater confidence, balance, and resilience.
VirtualAvailable
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$135/session

Authentic
Intelligent

Specialties

Anxiety
Military/Veterans
Trauma and PTSD
+4
I am a therapist who enjoys building a relationship with my clients by finding how to best understand each other. We may not share a background, but practicing curiosity from a position of genuine interest helps me better understand the people around me and form rapid connections. I believe knowledge and language have power so that the way we think and the information we use to think help us view what we think as changeable and adjust it to be more helpful.
VirtualAvailable
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New to Grow

$150/session

Specialties

Anxiety
Life Transitions
Trauma and PTSD
+10
I’m a Licensed Clinical Mental Health Counselor who works with children, adolescents, and adults navigating anxiety, trauma, and life transitions. I provide a supportive, nonjudgmental space where clients can better understand themselves, build emotional regulation skills, and create meaningful change. My approach is collaborative and trauma-informed, helping clients feel both challenged and supported as they work toward healthier patterns and improved well-being.
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$120/session

Intelligent
Warm
Authentic

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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$150/session

Empowering
Authentic
Direct

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.
VirtualAvailable
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$100/session

Empowering
Authentic
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
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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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$130/session

Authentic
Solution oriented
Warm

Specialties

Depression
ADHD
Anger Management
+5
Hi! I'm a Licensed Clinical Mental Health Counsellor (LCMHC) currently serving both North and South Carolina. I have utilized my Masters of Counseling in practice for 8 years. I've spent over 12 years as a Protective Services Social Worker and in that time I had the privilege to serve many people in many walks of life. That experience has given me a unique talent for connecting with people. I enjoy assisting older and young adults struggling with life, relationship and career stress, and others just finding it difficult to become the best versions of themselves.
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Frequently asked questions

Why filter by North Carolina rather than a city like Charlotte?

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.

Will my therapist take insurance?

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

How does the Specialty Filter work? Can I find a therapist that focuses on a specific issue?

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need.

Why use Gender, Age, and Identities filters?

Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.

What happens during the first therapy session?

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs. Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center.Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.