Therapists that accept Cash Pay in New Jersey

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 35 verified therapists in New Jersey 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.

Availability updated: 6/15/2025

Tabitha Baldwin

(she/her)

Tabitha Baldwin, LMFT - New Jersey Therapist at Grow Therapy

Frequently rebooked

$150/session
LMFT
22 years of experience
Virtual
Hi! I’m a Licensed Professional Counselor and Licensed Marriage and Family Therapist who is licensed in multiple states (Arizona LPC 21251, California LMFT 46032, Montana LMFT 62275, New Jersey LMFT 37F10021560, Idaho LMFT 9031, California LPCC 1250). I received my Masters from California State University and have been practicing for over 20 years. I specialize in helping people navigate anxiety, sadness, loss, and infertility issues from a faith based perspective (if desired). I am passionate about coming alongside people to hear their story and to assist them in finding a new path forward.

Meghan Lynch

(she/her)

Meghan Lynch, LPC - New Jersey Therapist at Grow Therapy
$175/session
LPC
22 years of experience
Virtual
If you want someone to hold you accountable, being direct and honest and the mirror to help see yourself clearly....then you found the right therapist. I am not the type of therapist to take your time and money, if you don't do the work. Therapy is work and there's "homework," in the time we don't see eachother to self reflect on. If you are ready for change, then let's meet to see if we are a fit!

Cheryl Reitz

Cheryl Reitz, LPC - New Jersey Therapist at Grow Therapy

Frequently rebooked

$150/session
LPC
25 years of experience
Virtual
Whether there has been a significant loss, a life transition, relational conflict, or daily stressors, we all need support during difficult times. Sometimes, however, a trained professional can help navigate these challenges and assist in facilitating positive change. We aren’t always able to recognize the underlying cause of our discomfort or find ways to overcome life’s challenges. In a therapeutic setting, we will work together to discover healthier ways for you to deal with life’s struggles, make desired changes, improve relationships, and find inner healing. Seeking therapy can be viewed as an investment in yourself. Improving mental and emotional health is as important as one’s physical health. My role is to provide a safe space and come alongside you on your journey. I work with adolescents and adults and provide individual, couples, and family counseling services. I treat depression, anxiety, grief and loss, trauma, (PTSD), relationship issues, parenting, behavioral concerns, and many other problems affecting how we feel and operate in the world.

Marrium Guirguis

(she/her)

Marrium Guirguis, LCSW - New Jersey Therapist at Grow Therapy
$150/session
LCSW
8 years of experience
Virtual
Hey, my name is Marrium Guirguis and I am here to help you wherever you are in life. I believe we all have a story to tell and regardless of how similar two experiences sound, they will still be very different from each other and deserve to be heard, validated and worked with uniquely. Throughout my career, I have specialized in working with adults and adolescents 14+ with PTSD, Anxiety, working with survivors of human trafficking and domestic violence, family dynamics, supportive therapy through challenges, people with disabilities, and young couples. One thing uniquely about myself is that I am a little person (dwarfism). I navigate the world at 3’6” tall and had to overcome a lot and have learned tremendously from my experiences. If you resonate with that and feel there could be a lot to unpack and work through, I can help you. I have had great success in incorporating one's culture, faith, values and morals due to it being integral in understanding who they are. My Christian faith has influenced my desire to help people, but I enjoy working with people of all backgrounds in a faith-based or secular style, based on your preference. Life is moving pretty fast with all of the rapid changes occurring daily. This may be what you are looking for to be able to gain that much more control over it. Please check out my website at www.faithfultomorrowcs.com for more about my practice.

Linda Schmidt

(she/her)

Linda Schmidt, LCSW - New Jersey Therapist at Grow Therapy
$125/session
LCSW
20 years of experience
Virtual
Thank you for reaching out to begin your journey of healing through individual psychotherapy at Grow. I'm so happy that you reached out for help. I am Linda Schmidt, LCSW, LCADC, a licensed therapist in New Jersey. I am a graduate of Fordham University, NYC with a masters degree in clinical social work. I am a licensed clinical social worker with over 20 years' experience and a licensed certified drug and alcohol counseling with 7 years' experience in New Jersey. My clinical background has been developed in various programs and facilities such as hospitals, behavioral health centers, detox and inpatient substance abuse rehab facilities. Therapy is about telling the truth. Listening for it, discovering it, and acknowledging it with the help of someone who makes that possible through trust. It's also about growth beyond difficult times, with guidance and encouragement.

Theresa Hicks

(she/her)

Theresa Hicks, LPC - New Jersey Therapist at Grow Therapy
$100/session
LPC
25 years of experience
Virtual
Hi there, I'm Theresa. Do you feel overwhemed, do you feel no matter what you try, or what you do, nothing changes? Are you struggling with your relationships, work and health? Is it hard to be kind to yourself? I help indivduals that just feel plan stuck, stuck in their personal life, stuck in problem solving and stuck in this thing we call life. Together, we can identify what's not working and get you back to balance. We'll use a whole self approach, addressing the needs of your mind, body and spirit. I love to integrate measurable goals so that you build upon small goals that create change! Whether you're dealing with feeling overwhelmed, relationship issues or cycles of anxiety and depression, I'm here to help. Seeking therapy can feel scary but you're making the right choice. You deserve a safe space to heal and grow. In our sessions together, I'll meet you with compassion and evidence-based techniques so you can overcome the hangups and habits holding you back. Let's work together!

Jane Cruz

(she/her)

Jane Cruz, LCSW - New Jersey Therapist at Grow Therapy
$150/session
LCSW
20 years of experience
Virtual
Hello! I am a bilingual (Spanish) speaking therapist with over 20 years experience. I am licensed in the state of New Jersey and Florida. I love working with adolescents and young adults. I also have extensive experience working with the elderly. I always like to meet my clients where they are and trying to provided a safe environment for them to meet their goals.

TaMara Gray-Phillips

(she/her)

TaMara Gray-Phillips, LMFT - New Jersey Therapist at Grow Therapy
$150/session
LMFT
10 years of experience
Virtual
TaMara brings a wealth of experience in an unconventional way. As a former owner of a home healthcare company, that primarily provided services to the elderly, TaMara found herself assisting families, particularly adult children, who had to make tough healthcare and financial decisions for their parent(s). She helped families establish goals on how best to support their parents in maintaining dignity and independence while simultaneously identifying the next steps in the event of their parents’ passing. While families had to come to terms with the physical, mental, and/or psychological changes seen in their parents, taking on the parental role was quite emotionally challenging for adult children. TaMara supported the entire family in managing these delicate issues.

Tadayah Pulliam

(she/her)

Tadayah Pulliam, LCSW - New Jersey Therapist at Grow Therapy
$175/session
LCSW
13 years of experience
Virtual
Hi! I am a Licensed Clinical Social Worker (LCSW) based in New Jersey. I received my Master of Social Work from Kean University and have been practicing for 12 plus years. I am the founder and owner of Therapeutically Fit Counseling, LLC. I help children, adolescents, and adults to become the best version of themselves by providing quality and reliable mental, emotional, and behavioral health services to help you navigate through difficult times and improve your quality of life. My mission is to help heal, empower, and evolve individuals and families by providing quality and culturally competent psychotherapy that transforms and renews your mind and body that leaves you therapeutically fit.

Deanna McPherson

(she/her)

Deanna McPherson, LCSW - New Jersey Therapist at Grow Therapy
$115/session
LCSW
7 years of experience
Virtual
Hello there! I am a Licensed Clinical Social Worker (LCSW) based in New Jersey. I received my Masters in Social Work from Washington University in St Louis and have been practicing for 6 years. I enjoy helping people in general and after years of working in public health began working in social work. I have worked with clients struggling with a variety of mental health challenges become the best versions of themselves.

LaToya McLaughlin

LaToya McLaughlin, LCSW - New Jersey Therapist at Grow Therapy
$120/session
LCSW
10 years of experience
Virtual
Hi, I am a Licensed Clinical Social Worker serving clients in California and New Jersey! I have 10 years of extensive experience in the mental health field; I am dedicated to empowering individuals and families to navigate their unique challenges. With a master's degree in social work and multiple certifications, I have developed a diverse skill set that allows me to provide tailored therapeutic support to adults and older adults.

Denissie Santana

(she/her)

Denissie Santana, LPC - New Jersey Therapist at Grow Therapy
$110/session
LPC
9 years of experience
Virtual
Hello! I'm a licensed professional counselor (LPC) with a passion for helping individuals navigate through life's challenges. I obtained my master's degree in counseling from Montclair State University, and I'm licensed to practice in New Jersey and Pennsylvania. I have received specialized training in various areas, including obsessive compulsive disorder and anxiety. I believe in taking a collaborative approach to therapy, where the client and therapist work together to identify goals and develop a treatment plan. My therapeutic approach is integrative and tailored to the unique needs of each client. I draw from evidence-based practices such as cognitive-behavioral therapy, acceptance commitment therapy, and exposure response prevention. When I'm not working, I enjoy spending time with my daughter, hiking, and doing home DIY projects. I look forward to connecting with you and supporting you on your path to wellness.

Arlene Joseph-Younger

Arlene Joseph-Younger, LCSW - New Jersey Therapist at Grow Therapy
$125/session
LCSW
9 years of experience
Virtual
Hi, I'm Arlene, a licensed clinical social worker in the state of NJ and I have been practicing for almost a decade. I am dedicated to helping individuals untangle their thoughts, strengthen their emotional resilience, and create meaningful change. Whether you're navigating anxiety, depression, trauma, relationships, or just feeling stuck, I’m here to offer a grounded space where healing and growth can happen, without judgment, and at your pace.

Crystal Roskell

(she/her)

Crystal Roskell, LCSW - New Jersey Therapist at Grow Therapy
$115/session
LCSW
12 years of experience
Virtual
Hi, I am a New Jersey Licensed Clinical Therapist with experience treating adolescents and adults with depression, anxiety, ADHD and various co-occurring disorders. I specialize in Borderline Personality Disorder. I am certified in Dialectical Behavioral Therapy and I am Qualified Clinical Supervisor. I have been successful in helping individuals overcome phobias, panic attacks, social anxiety, trauma and self-injury. I believe in collaboration with clients--not directives. My style is genuine and empathetic while being solution-focused. I am capable of using different treatment modalities; I realize that everyone's needs and preferences are different. Ultimately, I believe in empowering clients to help themselves. Perhaps you are struggling with serious challenges or, you may want to learn how to deal with difficult people or situations. Most of us can benefit from developing skills. It is always my goal to provide my clients with the tools they need to improve their lives. If you are unhappy or would simply like to improve in some areas, I am happy to help. Please note: I am currently licensed to provide services in New Jersey only. If you live in another state I will not be able to provide services. My calendar displays general availability, which is often fluid. If you would like to discuss meeting outside the advertised hours, please message me via the Grow portal. If possible, I will try to accommodate you.

Olga Valentine

(She/Her)

Olga Valentine, LPC - New Jersey Therapist at Grow Therapy
$200/session
LPC
10 years of experience
Virtual
My name is Olga and I am a licensed professional counselor in the state of NJ, AZ and FL. I have a lot of experience working with a diverse population of clients with different diagnosis and in a variety of mental health settings including inpatient, outpatient, psychiatric hospitals, group homes, private in home therapy, schools and virtually (audio, audiovisual and livechat). I specialize in ERP for clients experiencing symptoms of OCD and HRT for clients experiencing BFRB's and tic disorders. I am eclectic in my approach to therapy and some of the alternate treatment modalities that I use include cognitive behavioral therapy, dialectical behavior therapy, solution focused brief therapy, mindfulness based therapy, etc. I hope to build a strong and trusting relationship with all of my clients and I believe that therapy should be a safe and non-judgmental environment where client's can work toward their goals.

Lillian Osaigbovo

(she/her)

Lillian Osaigbovo, LCSW - New Jersey Therapist at Grow Therapy
$200/session
LCSW
5 years of experience
Virtual
Lillian is not only a Licensed Clinical Social Worker (LCSW) based in New York, New Jersey, and Connecticut. She is also proud member of the New York Chapter of the National Association of Black Social Workers, Inc. (NABSW). With various years of experience working in a variety of different mental health settings, including outpatient, inpatient and addiction. She utilizes a strength-based perspective offering a holistic approach that includes a traditional therapeutic process, anti-oppressive/liberation, meditation/mindfulness and self-care practices to promote healing and attainment of maximum potential. Lillian received her bachelor’s degree from Herbert Lehman College, City University of New York, in Social Work. She also earned a master’s degree from the Adelphi University School of Social Work. As an ally who stands in solidarity with refugees and immigrants of any status, Lillian incorporates cultural sensitivity into her work to accommodate different values and attitudes of various cultures and diverse populations.

Rachel Wilson

(she/her)

Rachel Wilson, LCSW - New Jersey Therapist at Grow Therapy
$90/session
LCSW
9 years of experience
Virtual
Hi there, I am Rachel a licensed clinical social worker and therapist. Are you struggling to figure out the solution to your internal conflicts, but don’t know where to begin? You don’t like the way things are going, but have fallen into the cultural norm of just pushing through? Do you feel like you’re “just present” or on autopilot? Do you struggle to be intentional? Maybe it’s sleep deprivation from being awake all night with your newborn, the stress of your career is keeping you awake or even the struggle of balancing life, as they say “life keeps life-ing.” Let’s talk about it… My area of expertise includes pregnancy and postpartum support, conception, birth trauma, and loss. In addition, I work with clients experiencing fluctuating self-esteem, imposter syndrome, depression, anxiety and emotions surrounding intergenerational mobility (change in socioeconomic status/income) and generational trauma. Seeking therapy can feel scary but you're making the right choice. You deserve a safe space to heal and grow. In our sessions together, I'll meet you with compassion and evidence-based techniques so you can overcome the hangups and habits holding you back. Let's work together!

Jacqulean Olivo

(she/her)

Jacqulean Olivo, LCSW - New Jersey Therapist at Grow Therapy
$125/session
LCSW
7 years of experience
Virtual
Hi there, I am a dedicated Licensed Clinical Social Worker (LCSW), having earned my Master's Degree from Rutgers University. With six years of invaluable experience, my practice specializes in providing support to individuals dealing with depression, anxiety, stress, and relationship challenges. My approach combines empathy, evidence-based techniques, and a collaborative therapeutic relationship to support clients in their journey. I am passionate about helping clients navigate through life's complexities to achieve emotional well-being and fulfillment.

Baktha Kumar

Baktha Kumar, LCSW - New Jersey Therapist at Grow Therapy
$85/session
LCSW
35 years of experience
Virtual
Hi I am a Licensed Clinical Social Worker (LCSW) living un Union, NJ. I graduated from Rutgers State University. I have worked as a Clinical Social Worker in hospital setting for over 30 years, especially with Hemodialysis patients, providing individual and family counseling, helping patients who experience anxiety and depression. I am an Asian Indian male who has migrated from India to the United States, and have a lot of insight on cross-cultural identity and connections.

Christine Lane

Christine Lane, LCSW - New Jersey Therapist at Grow Therapy
$120/session
LCSW
20 years of experience
Virtual
I am a practicing Psychotherapist with 20 years of experience treating individuals with anxiety, depression, grief, self esteem issues and relationship challenges. I take a holistic approach to mental health addressing the mind, body and spirit. I work with you to help build awareness while supporting you in a safe and nurturing environment. I use EFT (tapping), to help you release negative thoughts while enhancing well being and confidence. If your ready to begin, I welcome the opportunity to work with you.

Vanessa Albergo

(she/her)

Vanessa Albergo, LCSW - New Jersey Therapist at Grow Therapy
$100/session
LCSW
20 years of experience
Virtual
My name is Vanessa and I am a Licensed Clinical Social Worker in the state of Florida, Missouri, New Hampshire & New Mexico and South Carolina. I am bilingual(English & Spanish) and can provide counseling in both languages. My clinical background in Mental Health began as an undergrad and continued through grad school, working for the public sector for the Department of Children & Families where I worked with children, then the elderly in skilled nursing facilities and with adolescents in group homes. I then went on to work as a Nurse Navigator and provided services that included counseling and advocacy for oncology patients at one of the largest cancer hospitals in South Florida. In addition to this, I have also worked with adults in inpatient rehab for substance abuse and court ordered treatment, and served outpatient clients in the LGBTQ community. My training is in Cognitive Behavioral Therapy (CBT), Psychodynamic, Solution Focused, and many others that include treatment planning; where my goal is to get my client back to a normal baseline that they are comfortable with and can function in their daily life. I am an open minded, kindhearted and empathetic individual, where my mantra is that I am here for YOU, my job is to assist you in anyway that I can, and help you manage life's daily stressors that may be recent or long-term. We all have good and bad days, I believe we are all one step away from a mental health crisis. Life is one big roller coaster of stress, worry, emotion that all revolve around something changing in our life that we were not prepared for and do not know how to adjust to it. So my job is to help you navigate all of that and achieve happiness, peace and overall well being.

Cheryl Gardner

(she/her)

Cheryl Gardner, LPC - New Jersey Therapist at Grow Therapy
$180/session
LPC
20 years of experience
Virtual
Greetings! As a licensed professional counselor certified by the state of Georgia, New Jersey, Florida, and California, I provide individuals with fresh insights and strengths so they can integrate skills learned in therapy into their lives. I treat a wide range of mental health issues including mood and anxiety disorders, interpersonal difficulties & stress related to life transitions. I work collaboratively with people who struggle to manage depressive thoughts or are caught in a cycle of anxiety and avoidance.

Honor Hannah

Honor Hannah, LCSW - New Jersey Therapist at Grow Therapy
$125/session
LCSW
8 years of experience
Virtual
I am a Licensed Clinical Social Worker for the state of New Jersey who is passionate about the mental and emotional well-being of others. Since 2015, I have been proudly committed to serving people in need - it is truly my life's purpose! I am trauma informed, with a history of successfully servicing individuals with symptoms of depression, anxiety, postpartum related diagnoses, low self-esteem, persons navigating life transitions/coping with life changes, those looking to enhance communication skills, rebuild trust, manage family conflict, reduce stress, enhance self-awareness, including those seeking general coping skills, mindfulness based practices, and more! I want to sincerely congratulate you on taking this courageous first step toward emotional wellness. Reaching out for help is not always easy, and I encourage you to pause for a moment and honor the strength it took to prioritize your mental health.

Marcellus Broomes

Marcellus Broomes, LPC - New Jersey Therapist at Grow Therapy
$150/session
LPC
16 years of experience
Virtual
I am offering telehealth sessions through Therapy Notes, and Spruce Platforms We are living in some challenging times today and many people are struggling with dealing with these issues that we face today. Several of these challenges are affecting us in several ways directly and indirectly. If you are suffering from trauma, anxiety, and substance abuse I am here to assist you on your journey in coming up with positive coping skills to manage your life. I have 17 years of experience working with the mental health and substance abuse population. My style focuses on how outside relationships affects your wellbeing.

josephine Mixson

josephine Mixson, LPC - New Jersey Therapist at Grow Therapy
$85/session
LPC
15 years of experience
Virtual
Hi, I am a Licensed Therapist in New Jersey, working on my PA license, which should be accessible soon. I have been in practice for over 15 years. I specialize in helping you work through your issues . Can you get better, most definitely . I use client-centered therapy The interventions, I use is CBT, Motivational interviews and mindfulness. . I work at an agency in New Jersey, where I do individual counseling for women, men and teenagers, some children. I do couples and marriage counseling.. We concentate on Conflict resolvement and communication breakdown My resume includes working with individuals who have high degrees of anxiety. In trauma let us work through it together. If struggling with depression and grief issues than I can help you. lets get to the root of your struggles together. I am a christian. My first session includes getting to know you better and making you feel comfortable

Frequently asked questions

Why filter by New Jersey rather than a city like Newark?

When looking for online therapy, you can see anyone that is credentialed in the state. We want you to find the best fit, therefore, Grow Therapy shows available therapists across New Jersey from Jersey City to Paterson! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in New Jersey.

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.

What are the "Clients say I'm" badges?

Grow Therapy asks patients about their experience with therapists after they have had a certain number of sessions. After enough responses, we add those characteristics to their profiles to help you find the best online therapists for you. We're still working on collecting this information from all our therapists.

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 to expect during your first 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.