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 564 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: 2/13/2026

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New to Grow

$125/session

Authentic
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+10
Hello! I’m a therapist who helps people navigate the pressures, transitions, and emotional challenges that show up across different seasons of life. Whether you’re feeling weighed down by anxiety or depression, carrying the effects of past experiences, or simply feeling overwhelmed by daily stress, I offer a thoughtful, structured, and supportive approach to help you regain clarity and momentum. My clinical background includes training in fast-paced, high-expectation environments where providing effective, evidence-based care was essential. I completed my graduate training with a strong academic foundation and a rigorous clinical internship focused on delivering high-quality mental health treatment. In my work, I draw from approaches such as Cognitive Behavioral Therapy (CBT), EMDR, motivational interviewing, and mindfulness-based skills to help clients better understand their patterns, build practical coping tools, and move toward meaningful change. All of my experience as a clinician was gained while serving on active duty in the U.S. Army, including work as a Behavioral Health Officer in a high-stress operational setting. While this gave me a deep understanding of performance pressure, burnout, and work-life balance, my approach is not limited to military-specific concerns. The skills I developed translate naturally to working with civilians navigating demanding careers, relationship challenges, and the emotional toll of modern life. Above all, I strive to create a space that feels approachable, collaborative, and grounded—where you can feel comfortable being yourself while doing meaningful work.
VirtualAvailable
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Often rebooked

$160/session

Open-minded

Specialties

Addiction
Grief
Trauma and PTSD
+8
Hello, I’m Alaina, LCSW, LCASA, and I’m honored to have the opportunity to work with you. I hold a BA in Organizational Leadership and a Master’s in Social Work from Baylor University. I am trained in CBT, DBT, CPT, substance use, and grief treatment. I bring an evidence-based approach to care while providing a safe, supportive, and non-judgmental space for you to grow and heal.
VirtualAvailable
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$95/session

Authentic
Warm

Specialties

Anxiety
Self Esteem
Trauma and PTSD
Hi, I’m Myca, a licensed clinical social worker dedicated to helping individuals navigate life’s challenges and uncover their inner resilience. With years of experience in the mental health field, I specialize in creating a safe, compassionate, and nonjudgmental space where you can explore your thoughts, emotions, and experiences. My approach is collaborative and tailored to your unique needs, blending evidence-based techniques with genuine empathy to support your growth and healing. Whether you’re seeking clarity, coping strategies, or a deeper understanding of yourself, I’m here to guide you on your journey toward a more fulfilling and balanced life.
VirtualAvailable
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New to Grow

$120/session

Specialties

Anxiety
Depression
Post Partum
I am a dedicated mental health clinician with extensive experience using evidence-based approaches such as Cognitive Behavioral Therapy and Acceptance and Commitment Therapy. My practice centers on helping clients increase resilience, develop practical coping strategies, and live more aligned with their values. I bring a collaborative, client-centered style, integrating structured interventions with flexibility to meet each individual’s unique needs. I am passionate about empowering clients to navigate challenges, reduce distress, and create lasting change that supports both well-being and personal growth
VirtualAvailable
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New to Grow

$80/session

Specialties

Anxiety
Depression
Trauma and PTSD
+6
I am an African American male therapist with over 10 years of experience supporting individuals through life’s challenges. I am passionate about helping people overcome obstacles, build resilience, and thrive in meaningful ways. My approach is compassionate, collaborative, and grounded in creating a safe space where clients feel heard, respected, and empowered to grow in ways that feel best for them.
VirtualAvailable
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$80/session

Warm
Holistic

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

Solution oriented
Open-minded

Specialties

Addiction
Anxiety
Depression
+10
I am Cindy Arrington, I received my Master's of Science in Rehabilitation Counseling in 2012 from Winston-Salem State University. I and am a Certified Rehabilitation Counselor, Licensed Clinical Mental Health Counselor, and Licensed Clinical Addictions Counselor - Associate. I have 5 years of experience working as a Vocational Rehabilitation Counselor to assist with job development, placement and follow-up. I have 4 years of experience working as a mental health and substance use counselor. I enjoy meeting my patients who are experiencing anxiety, depression, stress, grief, trauma, and substance use to help them heal and grow to become the best versions of themselves.
VirtualAvailable
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$120/session

Solution oriented
Open-minded

Specialties

Anxiety
Couples Counseling
Depression
+6
Welcome! My name is Kalyn and I am a Licensed Marriage and Family Therapist (LMFT) in North Carolina and South Carolina, with a Master of Science in Human Development from Virginia Tech. I have 6 years of experience working with individuals of various ages and diverse backgrounds on a range of issues, including relational problems, couples counseling, communication challenges, depression, anxiety, emotional regulation, and mood disorders. My approach is collaborative, person-centered, and strengths-based, always striving to understand and cater to the unique needs of each individual I work with. I use elements of Cognitive Behavioral Therapy (CBT), family/systems therapy, and supportive therapy to create a welcoming and open environment. It is a space where you can freely explore your emotions, build up your strength, and work towards making the positive changes you aspire to achieve—all without any judgment.
VirtualAvailable
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New to Grow

$160/session

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
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Often rebooked

$175/session

Authentic
Open-minded
Solution oriented

Specialties

Anxiety
Depression
Parenting
+6
Hello, I'm Justin. Have you ever felt overwhelmed by stress and life's complexities? Many do, and it's more common than you might think. Life's challenges can leave us feeling exhausted, anxious, and disconnected. But remember, you're not alone in this journey. As a Licensed Professional Counselor offering virtual therapy in Virginia and North Carolina, my role is to walk with you in creating a safe, empowering space. Together, we'll explore and employ a range of therapeutic techniques tailored to your unique needs. My goal? To help you navigating the intricacies of life and forge meaningful connections — with others and with yourself. In therapy, we uncover the roots of your stress, lighten your emotional load, and find strength in support and understanding. It's about building resilience and rediscovering your inner balance. If you're reading this, you've already taken a brave first step. You recognize the need for change and understand that carrying the burden alone isn't the only way. If you're ready to move forward, to cultivate lasting change and greater self-awareness, I'm here to guide you. Reach out, and let's start this transformative journey together.
VirtualAvailable
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$125/session

Authentic
Empowering

Specialties

Anxiety
Couples Counseling
Depression
+10
Hey, I'm Carlos! I am a therapist dedicated to helping you reclaim your personal power. By integrating highly successful Cognitive Behavioral Therapy (CBT) with Mindfulness techniques, I help you slow down and recognize the significance of every moment. Together, we will work to ensure you feel empowered to make positive choices rather than feeling like a victim of your own thoughts or current life situations.
VirtualAvailable
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$103/session

Humorous
Warm
Authentic

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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Often rebooked

$165/session

Open-minded
Solution oriented

Specialties

ADHD
Military/Veterans
Trauma and PTSD
+5
I bring both clinical experience and personal understanding to the therapy room. I’ve navigated my own mental health struggles and am a survivor of suicide loss and grief. These experiences deepen my commitment to meeting clients with empathy, authenticity, and respect. I have worked with men and women of all ages. I have worked with veterans and active duty members as well. If you’re ready to take the next step, I’d be honored to support you.
VirtualAvailable
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$125/session

Open-minded
Solution oriented

Specialties

Anxiety
Depression
LGBTQ
+1
Keith Casey's approach to therapy is to be empathetic and encouraging. The most gratifying part of his job is when he sees someone embrace the idea that change is possible. He is trained in exposure-response and prevention therapy for OCD. He also likes to incorporate elements of CBT, DBT, and mindfulness into his work. He specializes in anxiety, OCD, depression, and LGBTQ+ issues.
VirtualAvailable
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Often rebooked

$115/session

Open-minded
Solution oriented

Specialties

Anxiety
Sexual Abuse
Trauma and PTSD
With 9 years' experience, I help children, teens, adults & families heal from trauma using TF-CBT, AF-CBT & CPT. I offer a safe, supportive space to process pain, build resilience & create lasting change. Whether you're a parent or adult facing the past, we'll work together to move forward with strength & hope. If you’ve experienced trauma like sexual or physical abuse, you’re not alone. Healing is possible, and you don’t have to do it alone. I offer a safe, supportive space to help you process pain and rebuild. When you're ready, I’m here to walk with you on your path to healing.
VirtualAvailable
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$150/session

Open-minded
Empowering
Authentic

Specialties

ADHD
Depression
Substance Misuse
+7
Hi! I'm a licensed clinical social worker (LCSW) and licensed clinical addiction counselor (LCAS.) I went to graduate school at the University of Vermont and have provided therapy services for more than 30 years in outpatient mental health settings as well as in inpatient psychiatric and addiction treatment settings. I'm in long-term recovery from alcohol and opiate dependence. Fun fact: I worked on an offshore lobster boat in the Gulf of Maine for 4 years.
VirtualAvailable
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New to Grow

$150/session

Specialties

Trauma and PTSD
ADHD
Child or Adolescent
+7
I’m a licensed clinical social worker who provides a supportive, collaborative, and trauma-informed space for clients to better understand themselves and create meaningful change. I believe therapy works best when it feels safe, respectful, and individualized, not rushed or one-size-fits-all. My role is to meet you where you are, help you make sense of your experiences, and support you in building skills and insight that translate into real-life change. My approach is grounded in trauma-informed care and informed by evidence-based practices including Cognitive Behavioral Therapy (CBT), Acceptance and Commitment Therapy (ACT), attachment-based therapy, Dialectical Behavior Therapy (DBT), Trauma-Focused CBT, and Child–Parent Psychotherapy when working with children and families. In practice, this means we may focus on understanding patterns between thoughts, emotions, and behaviors; strengthening emotional regulation and coping skills; exploring how past relationships impact present ones; clarifying values; or gently processing difficult experiences at a pace that feels manageable. I place a strong emphasis on collaboration and choice, ensuring you remain an active participant in your care. I work with adults, children, adolescents, and caregivers navigating anxiety, depression, trauma, life transitions, relationship challenges, and emotional overwhelm. Many of my clients come to therapy feeling stuck, disconnected, or unsure why certain patterns keep repeating despite their best efforts. Together, we work to increase clarity, self-compassion, and confidence while developing practical tools you can use outside of sessions. Above all, my goal is to create a space where you feel heard, supported, and empowered to move forward in a way that feels authentic, sustainable, and aligned with your values.
VirtualAvailable
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$120/session

Warm

Specialties

Anxiety
Career Counseling
Depression
+7
Welcome — I’m John Dyson, a Licensed Clinical Mental Health Counselor (LCMHC) and National Certified Counselor (NCC), based in the foothills of North Carolina. I want you to take a moment to acknowledge that you’ve already taken the first step toward bettering your mental health. Let’s be honest — starting therapy can feel empowering, confusing, or even scary — sometimes all at once. My goal is to create a safe, welcoming space where you can explore concerns related to anxiety, depression, and self-care. I focus on helping clients build assertive communication skills and healthy boundaries, both with themselves and with others, in ways that support a more balanced, fulfilling life. Therapy is an opportunity for personal growth in whatever way you're seeking — whether that means navigating specific challenges or building the life you deeply deserve. If that’s what you’re looking for, I’m here when you’re ready. Together, we’ll clarify the challenges you’re facing and identify where you want to be — a month, six months, or a year from now. Then, we’ll explore actionable strategies to help you move forward. You'll leave each session with a clearer understanding of your situation and a set of “next steps” you can begin right away. There will always be space for feedback and collaboration in our work — including holding each other accountable as we walk this path together.
VirtualAvailable
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Often rebooked

$125/session

Warm
Authentic

Specialties

Anxiety
Crisis Intervention
Depression
+8
With over 14 years of experience as a therapist, I bring a compassionate, collaborative, and client-centered approach to every session. I believe that each individual is the expert in their own life, and my role is to create a safe, supportive space where you feel heard, respected, and empowered. My work is rooted in active listening and genuine connection. Together, we’ll explore the challenges you’re facing, identify meaningful goals, and build the tools and confidence you need to move forward. Whether you're navigating a major life transition, managing stress, healing from past experiences, or simply seeking a deeper understanding of yourself, I’m here to walk alongside you on your journey.
VirtualAvailable
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Often rebooked

$125/session

Open-minded
Warm
Empowering

Specialties

Anxiety
Depression
Grief
+8
Hello! I am licensed in North Carolina, Iowa, North Dakota, Michigan, Pennsylvania, Utah, and Florida. I have experience in helping clients with stress and anxiety, depression, Autism, ADHD, coping with grief and loss, motivation, self-esteem, and confidence. I work with my clients to create an open and safe environment where thoughts and feelings can be shared without fear of judgment. It takes courage to seek out a more fulfilling and happier life and to take the first steps towards a change. Congratulations on getting to this very important step! I am excited to support & empower you in that journey.
VirtualAvailable
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Often rebooked

$140/session

Warm
Open-minded

Specialties

Anxiety
Depression
Trauma and PTSD
+10
I am a licensed clinical social worker with over 20 years of experience in the profession, beginning my career as a medical social worker before moving into the mental health field 11 years ago. Over the course of those 11 years, I have worked in a community mental health setting. This has afforded me the opportunity to develop the skills needed to work with a wide range of ages, populations, and challenges as well as to develop specialties in the areas of anxiety, depression, adjustment, and trauma.
VirtualAvailable
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$70/session

Authentic
Solution oriented
Open-minded

Specialties

ADHD
Anxiety
Mood Disorders
+4
My name is Krystal Hall and I am a licensed clinical mental health counselor, as well as a licensed clinical addiction specialist. I am also the owner of Joy's New Beginnings Counseling Services. For the past ten years, I have had the pleasure of assisting individuals in obtaining a new way of life without the day-to-day experience of problematic symptoms related to their own mental health and/or substance use. I have worked in many different roles including individual therapist, group therapist, clinical supervisor, and community advocate.
VirtualAvailable
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$140/session

Specialties

Anxiety
Depression
Trauma and PTSD
+6
I am a Licensed Clinical Social Worker with over 27 years of experience working in human services and over 15 years of clinical experience. I have worked with various populations to include children and families involved in child welfare, adult adoptees, individuals experiencing severe and persistent mental illness that have experienced homelessness and involved in the criminal justice system, adoption related issues, grief and loss, anxiety, depression, trauma, and life transitions.
VirtualAvailable
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New to Grow

$135/session

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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Often rebooked

$90/session

Warm
Humorous

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.
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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.