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 542 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: 2/26/2026

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New to Grow

$150/session

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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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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New to Grow

$160/session

Authentic
Warm

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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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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$80/session

Solution oriented
Empowering
Warm

Specialties

Coping Skills
Life Transitions
Self Esteem
+3
Hello! I’m a Licensed Clinical Mental Health Counselor (LCMHC). I received my Masters from North Carolina Central University. I am not only passionate about mental health, but overall wellness. I work from a holistic perspective while also utilizing interventions from cognitive behavioral therapy and expressive arts therapy. I believe in a collaborative approach and that clients are the experts of their lives.
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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$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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$150/session

Authentic
Warm

Specialties

Anxiety
Depression
Grief
+4
Hello, my name is Kendria Wright MSW, LCSW. I received my MSW from University of New England and I have been a social worker for 10+ years and have been a therapist for 2 years. My experience in navigating complex social issues and providing compassionate care has equipped me with invaluable insights into enhancing the well-being of my clients. I am committed to empowering individuals to achieve their fullest potential and find resilience through life’s challenges.
VirtualAvailable
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$125/session

Intelligent
Holistic

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

$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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$125/session

Specialties

Anxiety
Coping Skills
Depression
+10
Hey, I'm Tina! I've been a licensed therapist for 15 years and I have done tons of work with adolescents and adults. I have supported clients with depression, anxiety, stress, relationship issues, self-esteem, and grief. There is no cookie-cutter approach to therapy, and I take my job of active listening and offering supportive guidance very seriously. I look forward to supporting you on your journey!
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

$80/session

Warm
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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$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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$100/session

Direct
Intelligent
Warm

Specialties

Career Counseling
Family Conflict
Peer Relationships
Brittney Stokes has a decade of experience working with adults navigating the highs and lows of life. Life has a funny way of forcing you into yourself. The multitude of hardships we as humans face can weigh on us; sometimes it challenges the best and worst of us. Whatever circumstance you may be in no matter how big or small you may think it is; if you find yourself considering needing a professional to talk things over with... Follow that intuitive thought. This is a safe space to be reminded of who you are...or find out who you are. Brittney takes a personalized goal-oriented approach with her clients, understanding that therapy is not one size fits all.
VirtualAvailable
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New to Grow

$120/session

Specialties

Insomnia/Sleep Issues
Life Transitions
Military/Veterans
+10
I am a dedicated mental health professional and military veteran with a deep commitment to serving fellow service members and individuals facing stressor-related issues. I am a proud graduate of the Army’s Master of Social Work program through Fayetteville State University and use my personal experience with clinical expertise to provide compassionate and effective care for my clients. My approach to therapy is rooted in empathy, collaboration, and evidence-based practice.
VirtualAvailable
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$150/session

Open-minded
Intelligent
Challenging

Specialties

Anxiety
Coping Skills
Depression
+5
Hey there! I'm a licensed mental health counselor in North Carolina and certified in South Carolina. Helping people navigate through anxiety, adjustment issues, and depression is more than just a job for me—it's a passion. I genuinely want to see you live a happier, more fulfilling life and achieve the goals you've set for yourself. With over a decade of experience working with adults facing mental health and substance use challenges, I've seen firsthand how resilient people can be. I firmly believe that you're the expert of your own life. My role? To highlight your inherent strengths and help you build on them. My approach is all about focusing on what you're good at, rather than what you're struggling with. Together, we'll create a warm, supportive space where you can truly flourish and take control of your life. I'm currently open to new clients and accept a range of insurance plans including Blue Cross Blue Shield, Aetna, Cigna, and United Health Care. I also offer self-pay options. Plus, I provide online therapy sessions for added convenience.
VirtualAvailable
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$115/session

Warm
Open-minded
Solution oriented

Specialties

Anxiety
Mood Disorders
Trauma and PTSD
+6
You are stressed and filled with anxiety. Your thoughts are negative and you lack self-confidence. You feel so overwhelmed by emotions that you no longer know what you feel. Or maybe you are emotionally shutdown and just feel numb. Past traumatic events cause you to react to life in unhealthy ways. Intrusive thoughts keep distracting you from what you need to do each day. And you don’t understand why or how to change it. If any of this sounds familiar, there is hope! It is possible to retrain your brain and to develop different ways of thinking about life. You can stop automatically reacting and learn to thoughtfully respond to stressors. I would love to work with you and help you better manage thoughts and stressful emotions.
VirtualAvailable
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$90/session

Warm
Holistic

Specialties

Depression
Obsessive-Compulsive (OCD)
Trauma and PTSD
+7
My name is Anna and I am a Licensed Clinical Mental Health Counselor (LCMHC) and I specialize in Clinical Complex Trauma with children, teens and adults. I have also worked with various mood disorders and helping many through difficult phases in life. I have worked with individuals and families for about 6 years, both online and in private practice. My passion is to help those who have hit a rough patch and need help making their way to the other side. Working with mothers during and after pregnancy has become a passion as I myself am a mother and can provide empathy and insight to these particular experiences.
VirtualAvailable
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$85/session

Open-minded
Solution oriented

Specialties

Crisis Intervention
Health/Medical Issues
Serious Mental Illness
+8
My name is La Kevia N Moore and I have been a licensed clinical therapist for 7 years. I also hold a doctorate in education, organizational leadership. Empathy and compassion are my two overarching themes. Providing support to clients in their most vulnerable times is my passion and my part in creating a healthy society. It will be my pleasure to serve you.
VirtualAvailable
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$120/session

Warm
Open-minded

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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$175/session

Empowering
Authentic
Intelligent

Specialties

Anxiety
Life Transitions
Women's Issues
+2
Hi! I'm Monica L. McNeill, MA, LCMHC-QS, a dedicated psychotherapist committed to supporting Black women as they navigate the unique challenges and triumphs of their lives. With a deep understanding of the intersectionality of race, gender, and cultural experiences, I provide a safe and affirming space where Black women can explore their mental health and well-being. I believe in the resilience and strength of Black women and strive to help each client recognize and harness their inner power. Together, we work on identifying and overcoming barriers, developing healthy coping strategies, and fostering a sense of self-worth and purpose. My practice is a place where you can be your authentic self, share your story, and embark on a journey towards healing and transformation. Whether you are dealing with stress, anxiety, depression, or simply seeking personal development, I am here to support you every step of the way. Let’s walk this path together, towards a brighter and more fulfilling future.
VirtualAvailable
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New to Grow

$125/session

Specialties

Anxiety
Depression
Grief
+10
I am a licensed in NC, Florida (telehealth) and SC. Compassion and integrity are at the very core of my practice. Honoring the unique path of everyone I work with. My focus is to create a comfortable and safe environment for every client. I am LCSW specializing in Grief/Loss ,Anxiety, Depression and Trauma. I enjoy drawing from evidence-based practices such as: CBT, DBT, Behavioral Activation and trauma informed practice. I enjoy working with teens, individuals as well as couples. Recognized leader for 25 years in oncology, I have worked in mental health in large cancer hospitals . My private practice is in South Park, Charlotte.
VirtualAvailable
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New to Grow

$175/session

Specialties

Anxiety
Obsessive-Compulsive (OCD)
Trauma and PTSD
I am a Licensed Clinical and Mental Health Counselor and work together with the client to peel back the layers of the onion, uncovering client’s suffering and route of healing. Through this journey of exploration clients increase self-awareness and self-love. Growth is part of the journey which requires clients to step outside of comfort, instead engaging in exploration as a path to healing. As a counselor, I journey with the client as expert to increase wellness and authenticity. Suffering is part of the journey, and a path to healing we discover together. Sometimes going through the healing process can be scary, but I am excited to meet you where you are and walk with you to where you want to go.
VirtualAvailable
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New to Grow

$130/session

Specialties

Anxiety
Depression
Trauma and PTSD
+4
Ebonie Henderson is an experienced psychotherapist, offering 18+ years of clinical practice. She is a Licensed Clinical Social Worker as well as a Licensed Addictions Counselor. Ebonie earned her Bachelor of Arts in Psychology in 2003, as well as her Master of Social Work degree in 2007 from The Ohio State University. Ebonie operates from an empowerment perspective and believes that all individuals have the right to live the life they desire and experience the fullness of a whole and unified self. Ebonie uses the therapeutic alliance to promote healing, and to assist individuals in employing practical strategies to cope with troublesome symptoms and stressors.
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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.