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 557 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: 9/10/2026

$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

$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

Often rebooked

$85/session

Authentic
Warm
Intelligent
Specialties
ADHD
Anxiety
Parenting
+9
Feeling overwhelmed, stressed, and exhausted constantly? Isolated and alone because you don’t want to burden your friends or family with your problems? Or maybe you don’t know quite how to name why you feel this way or how to talk about it. Well, there is good news - therapy is the place to explore these challenging thoughts and feelings. I’ve worked in mental health since 2016, helping people of all ages, backgrounds, and challenges. I approach mental health challenges with a holistic mindset to help identify what we can change, inside of our control, and increase resilience. Depression, anxiety, ADHD, and trauma are a few examples of mental health struggles that impact how we live and experience the world. However, the opposite is also true! Because our lifestyles can influence our ability to tolerate stress and feel good about ourselves. My job as a therapist is to help you identify what is working, and what isn't working, and what we can do about it. I believe in us working as a team and supporting you in achieving your goals, so you can reconnect with your inner strength, resilience, and confidence to manage life's challenging ebbs and flows. Why choose me? Well, to help me feel less like a stranger, here is more detail about my background: My M.A. in Clinical Mental Health Counseling is from Lenoir Rhyne University's Graduate Center of Asheville, NC in Dec. 2020. I hold a B.S. in Psychology from Longwood University in Farmville, VA. I'm a Qualified Mental Health Professional with 5.5 years of direct care experience with teens in residential treatment. My graduate internship was community & school-based outpatient therapy with Access Family Services. August 2021 to March 2024, I was an outpatient therapist, in-person and virtual, with the center for emotional health.
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

New to Grow

$160/session

Specialties
Addiction / Substance Use
Couples Counseling
Trauma and PTSD
+10
Hello! I’m Elsie Henderson, a Licensed Marriage and Family Therapy Therapist and Licensed Clinical Addictions Specialist Associate. My practice is built on creating a warm, supportive, and judgment‑free space where clients can explore their experiences with honesty and confidence. I take an integrative approach that blends cognitive behavioral strategies with emotional and spiritual wellness, and I also offer Christian counseling for clients who prefer a faith‑based perspective. Whether working with individuals or couples, my focus is on helping people strengthen their relationships, deepen their sense of purpose, and move toward lasting, meaningful change.
Available

New to Grow

$120/session

Specialties
Anxiety
Emotional Regulation
Suicidal Ideation
+10
I take a warm, down-to-earth approach and believe in seeing the whole person, not just the challenges they are facing. I value genuine connection, humor, and creating a space where clients feel comfortable being themselves. My goal is to help clients feel heard, understood, and supported while working together toward meaningful, lasting change.
Available

New to Grow

$75/session

Specialties
Depression
Health/Medical Issues
Mood Disorders
+7
I was drawn into the counseling field from a very early age, always curious about people, their relationships, ideas people embrace, choices they make. How do we solve problems or sometimes find them beyond our wisdom and imagination to solve? Even when we do our very best, sometimes we can’t seem to get it right. That can feel overwhelming and finding a way out can seem impossible. A warm and listening heart can be a big help providing the support needed to find our way again. With over 40 years of experience, I have helped a wide variety of people with many concerns.
Available

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

$100/session

Specialties
Anxiety
Fertility & Reproduction Issues
Grief
+10
Hi there! It's very nice to meet you. I am a Licensed Clinical Social Work Therapist Licensed in both New York and North Carolina with experience as a social work therapist, and as a in school/college/career counseling and as a life coach. I have experience in helping clients with anxiety, relationship issues, motivation, self esteem, women’s health, PTSD, depression, LGBTQ, and personal growth. I believe in treating everyone with respect, and compassion; after all we will be working together as a team. I utilize various treatment modalities to meet your unique and specific needs by building skills, tools, and enhancing self-esteem. I'm a very interactive therapist and I'm passionate about supporting my clients both within sessions and in between sessions; to help keep their motivation up in order to achieve their goals successfully. Everyone's needs are different; but the one goal is to be your ideal self. I will help provide you with the necessary tools and skills to get you there!
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

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

$125/session

Solution oriented
Authentic
Direct
Specialties
Addiction
Anxiety
Depression
+5
With over 20 years of experience working with individuals and families, I specialize in mental health and substance use disorders. My approach to counseling is client-centered, strength-based, and solution-focused, and I strongly believe in meeting people exactly where they are—without judgment and with genuine respect. I strive to create a comfortable, supportive space where clients feel safe being themselves and talking openly about what they’re going through. I see therapy as a collaborative process, where we work together to better understand challenges, build practical coping skills, and create meaningful, lasting change. My goal is to help clients feel empowered, supported, and hopeful as they move toward greater balance and emotional wellness.
VirtualAvailable

$120/session

Empowering
Authentic
Intelligent
Specialties
Anxiety
LGBTQ
Life Transitions
+2
Hello! I am so happy you are here. I am a Licensed Clinical Social Worker in the state of North Carolina and Licensed Independent Social Worker in the state of South Carolina with five years of experience in the mental health field. If you are struggling with chronic stress, anxiety, self-esteem, attachment issues, relationship challenges, or LGBTQ+ related issues, I am here to help you in your healing journey.
VirtualAvailable

New to Grow

$140/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

$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

$175/session

Authentic
Open-minded
Warm
Specialties
Anxiety
Depression
Women's Issues
+5
Marlo Sell is a therapist in North and South Carolina. She provides holistic therapeutic services to clients in their late teens through adulthood. Marlo enjoys working with clients who struggle with anxiety, depression, work/life balance, life transitions, relationship issues/boundaries, domestic violence/sexual assault, self-love/esteem issues, self-harm, and those who want to build a better life and future for themselves. Marlo’s treatment approach involves changing thoughts, behaviors, and emotions, as well as working on areas such as emotion regulation, distress tolerance, mindfulness, and interpersonal effectiveness. Marlo adds in different holistic approaches to therapy such as mediation, EFT, breathwork, shadow work, and self-care.
VirtualAvailable

Often rebooked

$100/session

Empowering
Solution oriented
Warm
Specialties
Anxiety
Depression
Domestic Violence
+10
I’m pleased to share that I am now offering in-person sessions.... I’m a therapist passionate about supporting people through both emotional struggles and the real-life challenges they face. My work focuses on healing that’s not just psychological but also grounded in your everyday experiences. I offer a compassionate, down-to-earth approach that’s tailored to your needs. Together, we’ll explore what’s holding you back, build practical tools, and work toward helping you feel more understood, empowered, and ready to move forward.
VirtualAvailable

$130/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Depression
Life Transitions
+7
Hello there, I'm Heather. Are you experiencing anxiety, depression, or difficulty adjusting to life transitions? Are you noticing that things are overwhelming and more difficult to cope with because of the many stressors in life? Do you feel that you worry too much, are not good enough, or feel like you're stuck? Do you feel like you are all alone, that you have no one who really listens, understands you, or can relate to what you are going through? Well look no further because I specialize in alleviating anxiety, managing and overcoming depression, and adjusting to life transitions (such as parenting, relationship challenges, experiencing an empty nest, health issues, job loss, divorce, death of a loved one, or retirement.) It's a common experience to face these life challenges, but when those issues start to take over your life, it's time to get the support you need by working through this with a counselor so you can live a more fulfilling life. I am a Licensed Clinical Social Worker (LCSW) based in North Carolina, licensed to see clients in North Carolina working virtually, and I'm also licensed in California. I received my Masters from San Diego State University and have been practicing clinical social work for 21 years. I enjoy working with individual adults who are struggling navigating the stressors in life, and we would work together to get you unstuck as soon as possible so you can live a better life, on your own terms. You are brave and have made an important step in the change process just by being here.
VirtualAvailable

$80/session

Authentic
Solution oriented
Open-minded
Specialties
Addiction
Anxiety
Depression
+10
Hi, my name is Daniel and I am a licensed therapist. I see my role as a guide, helping people navigating life and in the search for meaning. I've been practicing for around 10 years working with a variety of different people and challenges treating anxiety, depression, substance use, trauma/abuse, life transitions, finding meaning, loss, and more. I offer a safe and respectful place to explore the feelings and situations you're going through while encouraging effective life changes. Thank you for considering working with me!
VirtualAvailable

$150/session

Warm
Authentic
Direct
Specialties
Anxiety
Depression
Sex Addiction
+8
Hi, I’m Dave. If you’re tired of feeling stuck and ready to break the cycle, let's get to work. Whether you are navigating a dark season or seeking a new frontier of growth, I can help you find the clarity and peace you’ve been looking for. Who am I? > A Person with Lived Experience: I am a husband of 30+ years and a father of three. I have also personally overcome clinical depression and addiction. I don’t just know the theory; I have deep empathy for your struggle—and I know the way out. > An Experienced Guide: For over 25 years, I have served as a licensed professional, helping adults and teens navigate their darkest seasons with clarity and confidence. > A Believing Clinician: As both a Christian and an evidence-based clinician, I will meet you exactly where you are—whether you want to integrate faith into our work or prefer a purely scientific approach. > A Collaborative Partner: I favor action over aimless talk. While I provide a compassionate space to be heard, I will also work closely with you to help you apply proven strategies that create real-world change.
VirtualAvailable

$175/session

Empowering
Authentic
Warm
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

$150/session

Authentic
Humorous
Direct
Specialties
Anxiety
Coping Skills
Self Esteem
+3
Welcome in! I really appreciate you being here today. Life can get overwhelming—sometimes even unmanageable—so I want to congratulate you on taking this step and crossing one more thing off your list. I’m a Licensed Clinical Social Worker with years of experience providing compassionate, client-centered therapy. I use talk therapy and CBT as my primary modalities. I also integrate a strengths-based approach and Solution-Focused Brief Therapy. I specialize in supporting individuals facing anxiety, stress, depression, self-esteem challenges, poor coping skills, and self-harming behaviors. I also have experience in crisis intervention, helping people through moments of acute distress. My approach is always trauma-informed and culturally responsive, facilitating a safe space where we can work together to build resilience, empowerment, and lasting change. And if you’re not sure what your circumstances are, or if you’re feeling unsure where to start, that’s okay. You don’t have to have all the answers—we can figure it out together. If it matters to you, it matters to me. Let’s talk about it.
Available

$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

$120/session

Authentic
Warm
Empowering
Specialties
Anxiety
Couples Counseling
Women's Issues
+10
I am a doctoral-level licensed clinical social worker with over a decade of experience supporting women through life's harder moments. I work with adults navigating anxiety, depression, identity, and the weight of expectations that rarely let up. My approach is direct, grounded, and free of judgment. I believe good therapy meets you where you are. I practice in North Carolina, South Carolina, and Delaware via telehealth.
Available
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.