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 585 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: 7/29/2026

$85/session

Solution oriented
Open-minded
Authentic

Specialties

ADHD
Anger Management
Couples Counseling
+8
Dr. Natika McPherson is a Licensed Clinical Mental Health Counselor Supervisor (LCMHCS), educator, author, and nonprofit founder with more than 25 years of experience serving children, adolescents, and families. She specializes in helping clients navigate emotional, behavioral, relationship, and life challenges while building resilience, confidence, and healthy coping skills. Dr. McPherson utilizes evidence-based approaches, including Cognitive Behavioral Therapy and Solution-Focused Therapy, tailored to each client's unique needs. Her work is grounded in the belief that every individual has strengths that can be developed to create meaningful change, improve relationships, and achieve personal growth and long-term success.
Available
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Often rebooked

$125/session

Empowering
Warm
Authentic

Specialties

Anxiety
Depression
Women's Issues
+6
I’m a licensed clinical social worker who believes therapy should feel grounding, human, and intentional. My work is rooted in the understanding that many people are not broken—they are overwhelmed, overextended, and disconnected from themselves after years of doing what was required to survive. I approach therapy with warmth, curiosity, and respect for each client’s lived experience. I don’t rush the process or impose quick fixes. Instead, I create space for reflection, emotional awareness, and nervous system regulation so clients can better understand themselves and make changes that feel sustainable and aligned. As a therapist, I value honesty, clarity, and compassion. I balance thoughtful insight with practical tools, helping clients not only gain awareness but also apply what they’re learning in real life. I’m especially mindful of how culture, identity, relationships, and systemic stressors shape the way people move through the world. At my core, I believe calm is not something you find—it’s something you practice. My role is to walk alongside you as you reconnect with yourself, strengthen your inner voice, and build a life that feels more grounded, intentional, and authentic.
VirtualAvailable
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$150/session

Warm
Authentic
Open-minded

Specialties

Addiction
Anxiety
Trauma and PTSD
+9
Hello! I am a Licensed Clinical Social Worker (LCSW) and Licensed Clinical Addiction Specialist (LCAS) based in North Carolina. I received my Masters from the University of North Carolina Wilmington, and have been practicing going on 9 years now. I love helping young adults discover and understand how their past experiences are continuing to impact their lives, and how they can move forward.
VirtualAvailable
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$90/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Family Conflict
+9
Hi there! I'm Elizabeth and I am now taking new clients in North Carolina. We can work together to make the changes you want to make in your life. Do you struggle with anxiety, depression, relationship or parenting issues? Do you need someone to walk beside you and assist you as you grow into a healthier version of yourself? You are not alone and I am here to help. I know it can be scary or uncomfortable to ask for help, but when we meet you will be met with understanding, acceptance and compassion. I provide a place where you can be yourself, where you can laugh, vent, curse and cry. I am client-focused and we will journey together at your pace! I use empathy and proven therapeutic techniques to help you reach your goals. I am looking forward to meeting you.
VirtualAvailable
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$120/session

Warm
Authentic
Open-minded

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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Often rebooked

$120/session

Authentic
Warm
Empowering

Specialties

Anxiety
Life Transitions
Self Esteem
+8
Hey there, I'm Jessica! I'm here to help you sort through the things that are difficult right now, and offer you a safe place to be open and honest without fear of judgement. I specialize in working with adults who are feeling stuck or overwhelmed. I believe everyone has the inner strengths needed to live their best life. But, it can be hard to recognize those strengths through the fog our stress response triggers. If you are looking for how to build confidence, inner peace and stability, you have come to the right place. Overwhelming anxious thoughts, relationship issues, work avoidance, irritable mood, low self esteem, trouble concentrating, problems sleeping; These are some of the more common complaints clients have when first coming to therapy. Together we will work to identify the strategies and support you need to overcome whatever challenges you face. Many people struggle a long time before seeking mental health care. But mental health is health! Just like in other specialties, preventative mental health care can be so effective in avoiding crisis and more serious illness. You do not have to suffer to deserve support! No matter the level of stress you are going through, you are worth taking care of.
VirtualAvailable
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New to Grow

$125/session

Specialties

Anxiety
Coping Skills
Mood Disorders
+7
Hello, my name is Luz Florio and am an LCMHC with 13 years of experience starting with crisis, community based, private practice and military counseling. My therapeutic approach is in DBT, CBT, and Solution Focused which I utilize to help you manage your mental health. I like to meet clients where they are and walk alongside them to help them reach their goals. I am warm and welcoming while being professional and assisting clients in creating goals and finding coping skills that work for them. I work with teens, adults, individuals and couples.
Available
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New to Grow

$125/session

Specialties

ADHD
Anxiety
Trauma and PTSD
+4
Hi there! I help adults who feel stuck, overwhelmed, or exhausted reconnect with their strengths and build a life that feels more manageable. If you're feeling anxious, burned out, or unsure of the changes you want, you're not alone! I work with trauma, ADHD, autism, anxiety, depression, and life's many transitions in a supportive and nonjudgmental way. I also focus on attachment-related stress and relationship patterns. My approach is client-centered and neurodiversity-affirming, and I lean towards a comfortable, casual conversation style of talk therapy. I accept new clients in Missouri and North Carolina!
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New to Grow

$175/session

Specialties

Foster Care/Adoption
LGBTQ
Racism
+10
I work with therapists and seasoned therapy folx who have been deep in top-down processing: they're insightful, self-aware, have read the things, and learned the skills. People who want to work with me are generally curious or drawn to something different: experiential modality, an authentic, therapeutic relationship, bottom-up processing, slowing down, or want to feel more connected to themselves, others, or an experience. If you have energy circling a specific question, issue, concern, or experience and/or are finding yourself missing or longing for something, feeling stuck, wanting more, intellectualizing less, or wanting to feel more connected in some way to what you already know, please reach out.
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New to Grow

$150/session

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+10
With decades of experience, I offer a welcoming and secure space to help you navigate personal challenges and build lasting resilience. My practice integrates Cognitive Behavioral Therapy (CBT) with mindfulness and motivational techniques. Together, we will examine the links between your thought patterns, emotional states, and physical well-being. My goal is to empower you with practical skills in attention, self-awareness, and self-regulation so you can thrive.
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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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$100/session

Authentic
Empowering
Warm

Specialties

Anxiety
Coping Skills
Depression
+7
Hiya. My name is Sejal Patel, and I am currently licensed in North and South Carolina, as a LMFT. As a therapist, I show curiosity when my client(s), families, and couples ask me for guidance. Majority of my clients', share the assumption, because I am a therapist, I experience minimal challenges in life and relationships. I wish that was true. My professional education and knowledge has been helpful and useful. Truthfully, the lessons I learned by experiencing failures, challenges, and struggles of life are the true heroes to how I find my solutions. I welcome your curiosity to a collaborative process that combines my professional expertise, your life experience knowledge, and the power of creative solutions.
VirtualAvailable
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$175/session

Authentic
Solution oriented
Direct

Specialties

Anxiety
Coping Skills
Depression
+10
I have over 30 years experience working with clients in the areas of mental health, addiction, and crisis intervention in various healthcare settings. I have been offering therapy through telehealth since 2022 and find this works well for many clients. For the past 14 years I have also worked specifically with military veterans. I have a casual, "come-as-you-are" outlook and believe strongly in meeting clients where they are in their own therapy and life journey. I work from a non-judgmental and strengths based focus. I tend to be direct and forthright in offering feedback, and I am firmly grounded in accepting each individual's decisions about their own life and ways forward to reach their goals.
VirtualAvailable
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$95/session

Authentic
Empowering
Solution oriented

Specialties

Anxiety
Depression
Trauma and PTSD
+8
My name is Jakelia Hampton. I’m a Licensed Clinical Social Worker, Licensed Clinical Addiction Specialist Associate and NC Rostered Trauma Focused Cognitive Behavioral Therapist. I obtained my Master of Social Work with Loyola University of Chicago with a specialization in gerontology and family services. My main focus is to help and empower children, adolescents and adults who have self-esteem, anger management, relationship, trauma and life adjustment difficulties thrive fully in their life. I support all individuals and aim to make certain that you are comfortable and remain in a safe therapeutic environment. Assisting with learning effective coping skills and guidance using the therapy modalities of Cognitive Behavioral Therapy, Motivational Interviewing, Trauma Focused therapy and other supportive evidence-based practices.
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$150/session

Authentic
Warm
Empowering

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+5
Hi Folx, my name is Daja and I’m a Licensed Clinical Social Worker (LCSW) with over 8 years in clinical practice. I began my career providing family therapy to children, adolescents and families in rural NC communities. From there, I transitioned to a large multi-state psychiatric and behavioral health outpatient practice where I served as both a psychotherapist and Regional Director for three years. After transitioning from that role, I worked in clinical care management with a large corporate insurance company, serving members with complex clinical care needs. As a therapist, I’ve focused my work on supporting folks better manage mental health conditions, cultivate greater joy in their lives and improve their relationships. I sincerely enjoy learning folks’ stories and assisting them as they navigate new and old life challenges/transitions.
VirtualAvailable
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$125/session

Warm
Solution oriented
Empowering

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+1
I strive to create a supportive space where clients feel heard, understood, and empowered to make meaningful change in their lives. My style is tailored to each individual’s unique needs, and I draw from a variety of therapeutic modalities to help clients build practical skills and tools for lasting growth. I especially enjoy working with clients navigating anxiety, trauma, perfectionism, relationship wounds, stress, burnout, and self-esteem challenges. My goal is to help clients gain insight, strengthen coping strategies, improve boundaries and self-expression, and move toward a greater sense of confidence and balance.
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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.
VirtualAvailable
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$125/session

Warm
Empowering
Open-minded

Specialties

Addiction
Anxiety
Depression
+5
Hi there, I’m Melissa. If life feels heavy right now, you’re in the right place. When you’re feeling stuck, overwhelmed, or just tired of carrying everything by yourself, it can be tough to know where to start. I work with adults navigating anxiety, depression, substance use, and other challenges who are looking for meaningful, sustainable change and a greater sense of balance in their lives. As a Licensed Clinical Social Worker, my style is collaborative, compassionate, and centered on practical tools you can actually use. I take a whole‑person approach to therapy, which means we may explore how different parts of your life—physical, emotional, social, environmental, and spiritual—are shaping your overall well‑being. My goal is to create a space where you can show up honestly and without judgment as we explore the patterns that may be keeping you stuck and build healthier ways of coping and relating to your thoughts and emotions. You don’t have to navigate all of this on your own. If you’re ready for support and a space to feel heard, I’m here to help you take the next step.
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$75/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Depression
Life Transitions
+5
Greetings, I am a Licensed Clinical Social Worker (LCSW) licensed in California, North Carolina and Florida. I received my Master's in Social Welfare from the University of California, Los Angeles. Most of my career has been focused in health care settings where I have worked as an outpatient behavioral health therapist, inpatient therapist and medical social worker. I bring a whole person approach into my work with clients and strive to provide a safe and supportive environment which facilitates personal growth and healing.
VirtualAvailable
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$145/session

Warm
Empowering
Authentic

Specialties

Grief
LGBTQ
Life Transitions
+7
Hello there, my name is Joy. I think it is wonderful that you have decided to try therapy. Deciding to come to therapy is a big decision and takes courage. My passion is for individual psychotherapy. People come to work with me on issues such as depression, anxiety, grief/loss, life transitions and relationship concerns. I have expertise in each of these problems and feel that it is an honor to be invited to accompany my patients on this part of their journey. I am passionate about social justice, my work and making the world a better place. I am an anti-racist, anti-sexist, and LGBTQIA+ affirming clinician.
VirtualAvailable
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$150/session

Empowering
Authentic
Warm

Specialties

Coping Skills
Life Transitions
Women's Issues
+8
For over 13 years, I have dedicated my practice to supporting women as they navigate the many demands of modern life. I understand firsthand what it means to move between worlds. Growing up in Brooklyn as the daughter of immigrant parents, and now living in South Florida, I have been shaped by diverse cultures, communities, and perspectives. My love of travel has deepened that curiosity about the human experience. In the therapy room, this translates into a genuine ability to meet you where you are regardless of your background, your story, or how far from yourself you may feel right now.
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$100/session

Warm
Open-minded
Authentic

Specialties

Addiction
Mood Disorders
Trauma and PTSD
+10
If you are looking for support on your journey of self-discovery or dealing with some stressors, I would love to help! I enjoy working with individuals who may be struggling and need an empathetic ear. I believe everyone can improve their sense of well-being with some support. Some things I enjoy include spending time with my friends and family, visiting the beach and mountains, and doing arts and crafts.
VirtualAvailable
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$75/session

Authentic
Open-minded
Intelligent

Specialties

Anxiety
Coping Skills
Trauma and PTSD
+10
Hello, I currently live in North Carolina with my husband and two dogs. I love nature, so getting outside daily is important to me! I feel grounded to the earth and connected by spending quiet time near trees. I have a unique work history that includes years of factory work, community mental health, Hospice, prison support groups, emergency rooms, and hospital inpatient settings. I am proud of my clinical experience and I feel that I can relate to many different types of because of my background. I look forward to meeting you!
VirtualAvailable
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New to Grow

$115/session

Specialties

Mood Disorders
Self Esteem
Women's Issues
+9
I’m Latoya, a Licensed Clinical Social Worker (LCSW), licensed in NC, SC, and Texas. I have over 13 years of experience assisting individuals in navigating a variety of emotional and psychological challenges. I believe in creating a safe, compassionate, and nonjudgmental space where you can feel heard, supported, and empowered to make meaningful changes in your life. In our work together, my goal is to help you better understand yourself, heal from past hurts, and develop the tools to manage life’s difficulties. I integrate a variety of therapeutic approaches, including Cognitive Behavioral Therapy (CBT), Mindfulness-Based Therapy, Person-Centered Therapy, and Psychoanalytic, all tailored to your unique needs and experiences. Whether you are dealing with anxiety, depression, trauma, relationship struggles, or life transitions, I strive to meet you where you are and walk with you on your journey toward healing and growth. I believe therapy is a collaborative process, and I’m here to guide you through it with respect, empathy, and a deep commitment to your well-being. If you’re ready to take the first step toward feeling better and living a life aligned with your values, I’d be honored to work with you.
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$120/session

Direct
Open-minded

Specialties

Anxiety
Coping Skills
Depression
+2
Hi, I'm Ingle. I know life can be challenging; It’s not always easy. As one journeys through life there comes a time when we all need the love and support of someone who cares. For this reason, it has always been my passion to help those who are in need of that love and support. With a non-judgmental attitude and a heart of compassion I aim to meet you where you are. My hope is to walk alongside you in an effort to help you achieve your therapeutic goals. I also offered Christian based support as well for those that prefer it.
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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.