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 586 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: 2/6/2026

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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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New to Grow

$120/session

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+6
Hi, I’m Michelle. If you’re feeling stuck in anxiety, constantly worrying, or struggling with feeling “not good enough,” you’re not alone, and there’s nothing wrong with you. Many of the people I work with carry the weight of past experiences, family wounds, or trauma that still show up in their daily lives in ways they don’t always understand. In our work together, I offer a safe, compassionate space where you can slow down, feel supported, and begin to heal. I use approaches like EMDR and CBT to help you process painful experiences, calm anxious thoughts, and build a stronger sense of self-worth. For those who would like, I also integrate faith into counseling in a way that feels natural and supportive. I work mostly with adults who are ready for change but may not know where to start. My goal is to help you feel more at peace, more confident, and more connected, not just in sessions, but in everyday life too. Healing is possible, and you don’t have to do it alone.
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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New to Grow

$95/session

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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$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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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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Often rebooked

$120/session

Open-minded
Warm
Solution oriented

Specialties

Anxiety
Grief
Insomnia/Sleep Issues
+9
Hi there, I'm Jenni! Feeling stuck and frustrated? Struggling to deal with the loss of a loved one? Trying to find balance in your life while coping with chronic illness? Expecting an upcoming change? Not able to sleep or stay on top of things in your life? I am here to help! Therapy cannot be effective if we are not meeting your specific needs and goals. I want to meet you where you are and together identify a path forward. I like to understand you, your values, and your background while also giving you solution-focused interventions you can utilize to make changes. If talking it through without homework is the way you want to go, that is fine too! We are all capable of change and moving forward but sometimes it is the dialogues in our head, relationships, or other factors that are getting in our way. Therapy is a great place to work through those and be more connected with what you value in your life. Let's work together!
VirtualAvailable
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New to Grow

$125/session

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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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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$175/session

Specialties

Couples Counseling
Depression
Substance Misuse
+10
Hello, I’m Dr. Warrick Stewart. I am a Board-Certified Psychotherapist, licensed to practice in Georgia, South Carolina, Kentucky, and North Carolina. At the heart of my work is a deep compassion for people who are navigating life’s hardest seasons. I specialize in helping individuals and couples facing trauma, emotional pain, self-doubt, and the struggles that come with anger, substance use, and depression. My role is to walk alongside you, offering evidence-based approaches such as reality-based and solution-focused therapy, while always tailoring our work to meet your unique needs. In my practice, clients find a warm, nonjudgmental, and supportive environment where they are safe to be themselves. Here, you can speak your truth, confront what has been holding you back, and begin the process of healing. I am eclectic in my methods—drawing from a variety of therapeutic techniques—because I believe every person deserves an approach as unique as their story. I strive to be thorough but kind, authentic yet gentle, and always deeply respectful of the courage it takes to begin therapy. My goal is to help you process your experiences, rediscover your strengths, and move forward toward a life filled with meaning and possibility. Healing takes willingness and effort, but you don’t have to walk the journey alone. Together, we can create a path toward growth, resilience, and lasting change. Let’s get started today.
VirtualAvailable
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New to Grow

$120/session

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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$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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New to Grow

$160/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
Hi there - I’m Pete Cianci, LCSW, a licensed psychotherapist based in North Carolina. I’m so glad you’re here. I work with adults 18+ and I strongly believe in using evidence-based practices to help people feel better as quickly as possible. I leverage cognitive behavioral therapy (CBT), dialectical behavioral therapy (DBT), and acceptance & commitment therapy (ACT) to help people reduce their symptoms and improve their own lives. The way therapy works doesn't have to be a mystery. I believe psychoeducation and concrete skill-building are crucial parts of getting better.
VirtualAvailable
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$60/session

Authentic
Solution oriented
Intelligent

Specialties

Anxiety
Depression
Trauma and PTSD
+3
I received my Ph.D. in the Counselor Education and Supervision program at the University of Iowa in 2009. I also received a Master of Divinity degree with courses in pastoral care and counseling from Asbury Theological Seminary in 1995. I have approximately 25 years of counseling-related work experience in a variety of settings (college, schools, and community mental health settings). In addition, I have taught counseling courses in graduate mental health programs. I have worked with a variety of populations including children, adolescents, college students, and adults at various life stages, as well as couples, families, and groups. I am also trained to conduct a variety of assessments for learning disabilities, ADHD, personality disorders, mood disorders, and vocational/career interests.
VirtualAvailable
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Often rebooked

$150/session

Warm
Empowering

Specialties

ADHD
LGBTQ
Anxiety
+7
Hi! I'm a Licensed Clinical Social Worker (LCSW) in North Carolina. I graduated in 2020 with my Master's of Social Work from Western Carolina University, and I've been working with youth and families for over 15 years, 8 of those being in the mental health field. I help neurodivergent, queer, and gender-expansive young adults find ways to live authentically as themselves in a world that can be unkind and harsh. I also support people who have had negative experiences with therapy in the past and want to try again with a more person-centered and affirming approach.
VirtualAvailable
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$160/session

Warm
Authentic

Specialties

Anxiety
Post Partum
Trauma and PTSD
Welcome! I am a Licensed Clinical Social Worker (LCSW) base in North Carolina. I earned my Master's Degree from East Carolina University and have accumulated 15 years of experience in the social work field, with 9 years of practice. I specialize in providing support to young adults and women going through various life transitions, particularly motherhood. I thoroughly enjoy assisting individuals during the perinatal to postpartum stages. I also specialize in guiding clients through their healing journey from past traumas, grief and loss, and burnout.
VirtualAvailable
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$125/session

Open-minded
Challenging
Direct

Specialties

Anxiety
Life Transitions
Obsessive-Compulsive (OCD)
+4
Hey. My name is John Jensen, but you can call me Jake. I received my masters in Clinical Mental Health Counseling from Campbell University and am the owner of Woodhaven Counseling PLLC. I started counseling after retiring from playing football at Wingate University and strive to assist those moving through life transitions, manage anxiety, and build confidence in their identities.
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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$100/session

Direct
Authentic

Specialties

Military/Veterans
Mood Disorders
Substance Misuse
I am a Licensed Clinical Social Worker and Licensed Clinical Addiction Specialist. I have been a social worker for 19 years, most recently in the last 7 years doing therapy. I enjoy working with people who are wanting to see change happen but have barriers stopping them from moving into action. I also enjoy working with those who have relationship dynamic issues.
VirtualAvailable
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$175/session

Authentic
Warm
Humorous

Specialties

Anxiety
Coping Skills
Depression
Hello, Are you feeling overwhelmed, stressed, or like life is taking over? It's completely natural to experience these emotions from time to time, but you don't have to navigate these challenges alone. My name is Latonya Badger, and I'm an experienced and compassionate mental health provider here to support you on your journey towards well-being and happiness. I have 4+ years of experience in the mental health field, I am a licensed therapist dedicated to helping individuals like you find balance, resilience, and inner strength. My approach is client-centered, meaning I tailor each session to your unique needs and circumstances. Together, we'll work collaboratively to address your concerns and develop personalized strategies to cope with life's stressors.
VirtualAvailable
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$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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$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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$175/session

Authentic
Challenging

Specialties

ADHD
Anxiety
Autism
+10
I am a Deaf licensed professional counselor with over 15 years of clinical experience, licensed in North Carolina, Alabama, Oregon, and Maryland. I exclusively serve Deaf and Hard of Hearing clients who use ASL, providing culturally affirming care grounded in deep understanding and lived experience. I specialize in neurodivergence, trauma, depression, and family or relational conflicts, and I draw from evidence‑based approaches such as CBT, DBT, EFT, Adlerian Therapy, Child‑Parent Psychotherapy, and CFT. My work is rooted in compassion, clarity, and empowerment, creating a therapeutic space where clients feel truly seen, supported, and equipped to grow.
VirtualAvailable
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$103/session

Authentic
Empowering

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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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.
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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.