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 139 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: 8/16/2026

New to Grow

$100/session

Specialties

Child or Adolescent
Crisis Intervention
Trauma and PTSD
+5
I work with girls and young women dealing with anxiety, depression, trauma, relationships, family issues, or just feeling overwhelmed and stuck. I have extensive experience working with teens and young adults, including building and running an adolescent intensive outpatient program. I’m warm, down-to-earth, and active in sessions. I want therapy to feel comfortable and real, while also being a place where we can actually work through what’s going on and help you move forward.
Available

$60/session

Warm
Authentic
Solution oriented

Specialties

ADHD
Anxiety
LGBTQ
+5
Hi there, I am Albert. Do you feel that specific life events have had a great impact on how you are managing and functioning daily? I am a clinician who believes that the past influences the present and future and if trauma has been a part of the human experience the impact on human functioning is even greater. It is my goal to create a safe and caring counseling atmosphere and setting so that the individual feels safe to explore the effect of trauma or any life event(s) that have impacted their life. Clients are encouraged to explore and engage in new aspects of themselves; finding new abilities which increase their positive daily functioning by increasing their living tool kit with new creative and important tools. I utilize evidence-based modalities to address the unique and specific needs of each client and I do so from a trauma-informed perspective. I provide long-term psychotherapy; I also work with clients doing short-term solution-focused therapy that is goal-specific. I completed my master's in counseling in 2005 from New Jersey City University. From 2005 to 2010 I was an associate counselor and upon completion of my supervision hours became a Licensed Practicing Counselor in 2010. I have had experience working in hospitals, outpatient clinics, community outreach and providing in-home therapy services for individuals and families. I have worked treating depression, anxiety, behavior problems, ADHD and issues related to gender identity as well as issues facing couples.
VirtualAvailable

$200/session

Authentic
Humorous
Intelligent

Specialties

Anger Management
Men's Issues
Trauma and PTSD
+6
Hello and welcome! I'm Tony and thank you for trusting me with your mental health! Are you struggling with the balance of daily life stressors of family, work and/or school? Are you not engaging in activities that once brought you joy? If you answered “Yes” to any of these questions, I am here to help! I help clients struggling with anger, aggressive behaviors, drug addiction, anxiety, depression, low self-esteem, grief and loss, trauma, school stress and many other adjustment-related struggles. Over the past 10 years, I have worked with all ages in the community, outpatient, inpatient and residential treatment settings. Let's work together to develop emotional regulation techniques, healthy coping skills and positive thinking habits!
VirtualAvailable

$150/session

Authentic
Direct

Specialties

Obsessive-Compulsive (OCD)
Parenting
Trauma and PTSD
+7
I am an experience therapist who can support you in making positive changes in your life. My areas of specialty include personality and mood disorders, addiction, and grief, but I have work with clients on a wide range of issues over the years. I help my clients through a combination of education on how the human mind works, and increasing awareness of how those principals are playing out in your daily life.
VirtualAvailable

Often rebooked

$100/session

Authentic
Warm
Open-minded

Specialties

Anxiety
Depression
Coping Skills
+9
My name is Shannon Pavas and I am a Licensed Clinical Social Worker in the state of New Jersey. My hope is to assist you in working through whatever is in your way so that you may not only achieve your personal goals, but also learn to appreciate yourself and your life's journey. Whether you are experiencing severe anxiety or depression, relationship difficulties, low self esteem, or need to work through a specific dilemma, I will provide a safe and comfortable environment. I sincerely believe we all have the power to heal ourselves and to live happy and fulfilling lives, regardless of our past experiences.
VirtualAvailable

Often rebooked

$150/session

Authentic
Warm
Humorous

Specialties

Depression
Self Esteem
Trauma and PTSD
+10
I have been practicing since 2014 and have worked in a variety of contexts within the scope of therapy- ranging from children, couple's work, adults, teenagers, and the aging population. I deliver an authentic approach to therapy that punctuates the importance of the relationship between client and therapist as the primary mechanism for change. I believe all clients deserve to be met with dignity and respect and try to convey that in sessions.
VirtualAvailable

$150/session

Warm
Empowering
Humorous

Specialties

Addiction
Anxiety
Depression
+10
You don’t have to keep holding everything together on your own. When life feels heavy, uncertain, or overwhelming, it can be hard to know where to start. My goal is to offer a calm, supportive space where you can pause, make sense of what you’re carrying, and begin finding your way back to yourself. Together, we’ll explore what’s been getting in the way of feeling balanced and connected, using evidence-based approaches and genuine collaboration to help you heal, grow, and rediscover a stronger sense of self. Hi, I’m Heather Schmauk MS LPC (Licensed Professional Counselor). With over a decade of experience supporting individuals through challenges related to mental health, addiction, and personal growth. I help adults navigate anxiety, depression, trauma, burnout, and major life transitions. My approach is grounded in compassion and collaboration—meeting clients where they are, while helping them reconnect with their authentic self. I provide a supportive and inclusive space for healing and growth.
VirtualAvailable

$180/session

Authentic
Warm

Specialties

Addiction
Substance Misuse
Trauma and PTSD
+7
Hi there! My name is Angelique. I am a Licensed Clinical Social Worker and Licensed Clinical Addictions Counselor, working with clients virtually in the State of New Jersey and Pennsylvania. More importantly, I am a fiercely dedicated advocate for your healing. My formal training and background in substance use treatment spaces have led to an expertise of with individuals in recovery from alcohol or substance use, and addictive behaviors (gambling, shopping, relationships, etc). I also specialize in working with family members or loved ones of people with a mental health or substance use disorder, because help and healing should be accessible and prioritized for all; especially for someone feeling all the pressure to hold it together for someone else!
Available

$150/session

Empowering
Humorous

Specialties

Addiction
Grief
Life Transitions
+8
With over 25 years of experience, I’ve had the privilege of working with individuals of all ages, using a variety of therapeutic interventions, including Cognitive Behavioral Therapy, Dialectical Behavioral Therapy, Integrative Therapy, Mindfulness, and Humor. I hold a degree in Social Work with a minor in Psychology from the University of Dayton and a master’s in Social Work from the University of Illinois at Chicago. My commitment to ongoing education keeps me fascinated by the brain’s intricacies and continuously enhances my practice.
VirtualAvailable

$150/session

Authentic
Intelligent

Specialties

Depression
Grief
Trauma and PTSD
+10
I found my career as a therapist as a secondary one which has provided exposure to multiple therapeutic settings. My start in community mental health gifted me with a well-rounded, diverse level of training and exposure to the human experience. More importantly, my background reinforced the importance and power of the therapeutic relationship. I am curious, empathetic, affirming, and compassionate. My sense of humor often finds its way into our sessions (as do my dogs, if you're so inclined!). Together, we will map your treatment, so that you are clear as to what to expect, regardless of the intervention. We start at the place you are ready, reinforcing the strengths and resiliency that you already exhibit. Together, we build from there to address what you came in for.. Therapy is hard work, but it is also profoundly full, rewarding and empowering. It's important for me to honor both the challenges and rewards.
Available

$125/session

Warm

Specialties

Anxiety
Child or Adolescent
Depression
+7
With over two decades of diverse clinical experience, I support children and adults with disabilities and psychiatric conditions using CBT, DBT, solution-focused therapy, and psychoeducation. Currently working in a therapeutic school and an acute inpatient psychiatric unit, I specialize in individual, group, family therapy, and anger management, offering a highly versatile, compassionate approach tailored specifically to each client's unique journey.
Available

Often rebooked

$100/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Coping Skills
Parenting
+8
Hello I often hear clients say, “I don’t even know where to start” when they first begin therapy. I understand that feeling. The first step is to make sense of what’s happened in your life in order to start to tackle the issues and ultimately make some changes. I am a seasoned therapist with 17 years experience helping adult clients find their own inner wisdom and strength to resolve issues in their lives. It feels burdensome to rely on friends and family to help us through difficult life challenges. The greatest joy for me as a therapist is to be able to provide a safe space where clients feel unconditionally accepted and heard without judgement. Therapy is a collaborative process where the client and therapist work together to explore and identify barriers which prevent resolution. I believe that the therapeutic alliance between client and provider is key to a successful outcome. I use psychodynamic, solution focused and client centered approaches to help clients gain insight, identify barriers and foster empowerment to make changes and resolve issues.
VirtualAvailable

New to Grow

$180/session

Specialties

Child or Adolescent
Family Therapy
Parenting
+7
Hi, I’m Erica! I work with children, adolescents, young adults, and families navigating anxiety, ADHD, emotional regulation challenges, self-esteem concerns, depression, and social or school-related stressors. With experience in both school-based and clinical settings, I understand how emotional challenges can impact everyday life across different environments. I am also trained as a parent coach and work collaboratively with caregivers to support progress beyond sessions. I use evidence-based approaches, including CBT, strengths-based therapy, and family therapy, to help clients build practical coping skills, strengthen relationships, increase emotional awareness, and feel more confident navigating daily challenges.
Available

$50/session

Direct
Authentic
Solution oriented

Specialties

Addiction
Anger Management
Coping Skills
+5
I am a licensed social worker who has been in practice for 42 years .I have worked with addiction issues as well as various mental health issues ,anxiety and depression .I help individuals recognize strengths and help develop with them healthier coping skills . I work with clients on establishing life balance . I work with couples on reestablishing communication and validating each other .
VirtualAvailable

$150/session

Empowering
Humorous
Open-minded

Specialties

Anxiety
Men's Issues
Suicidal Ideation
+3
Hey there, I'm a Licensed Professional Counselor, Nationally Certified Counselor & Approved Clinical Supervisor in NJ and CT with a focus on suicide prevention, crisis management for adults & teens. I also have over 10 years of experience promoting independent living skills for adults with severe mental illness. I am a Board Member - American Foundation for Suicide Prevention (NJ Chapter) afsp.org I facilitate graduate level courses At Kean University on Clinical Mental Health Counseling, Career Counseling/Development, Group Processing, Practicum and Internship in Counseling I & II. I received my BA at Seton Hall University in 2000, my MA in Clinical Mental Health Counseling from Kean University in 2015 and have applied for the PhD program in Counseling & Supervision at Kean University for Fall 2026. Hmmm, that's a lot of info but if you want to know anything else, don't be shy, just ask me.
VirtualAvailable

$95/session

Empowering
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+10
Life can feel overwhelming when trauma, anxiety, depression, or relationship challenges take center stage. I believe therapy should be a space where you feel seen, heard, and supported as a whole person—not just a collection of symptoms. I work collaboratively with clients to help them make meaning of their experiences, reconnect with their values, and move toward a more authentic and fulfilling life. I specialize in trauma and have experience working with individuals navigating anxiety, depression, PTSD, and substance use concerns. I also work with couples and families, supporting healthier communication, deeper understanding, and more secure connections. Whether you’re feeling stuck, disconnected, or simply seeking clarity and growth, I aim to meet you where you are with compassion and respect. My approach is rooted in humanistic and existential therapy, emphasizing personal agency, self-awareness, and the belief that change is possible—even in the midst of pain. I take an integrative approach, drawing from evidence-based modalities such as Cognitive Behavioral Therapy (CBT), grief work, and solution-focused interventions, tailoring treatment to each client’s unique needs and goals. Healing is not about “fixing” yourself—it’s about understanding yourself more deeply and learning new ways to relate to your experiences. I strive to create a safe, supportive, and nonjudgmental environment where you can explore challenges, build resilience, and move forward with intention.
Available

Often rebooked

$100/session

Authentic
Solution oriented
Open-minded

Specialties

Anxiety
Depression
Women's Issues
+10
Are you feeling overwhelmed, stuck, or simply not like yourself lately? You're not alone — and you don’t have to go through it alone, either. I offer a safe, nonjudgmental space where you can be heard, supported, and empowered. Whether you're navigating anxiety, depression, life transitions, trauma, or relationship challenges, therapy can help you reconnect with your strengths and find clarity, purpose, and peace. My approach is compassionate and collaborative. Together, we’ll work at your pace to understand what’s holding you back and explore tools that help you feel more in control of your thoughts, emotions, and life. My goal is to support you in overcoming life’s struggles and building a more positive and fulfilling life. By helping you reframe your thinking and work through challenges with evidence-based treatments and empathy, we can move toward meaningful and lasting change. I tailor my approach to suit each individual, combining different therapeutic techniques to find what works best for you. I believe in empowering and supporting my clients so they can thrive and improve their overall well-being. Whether you're dealing with anxiety, depression, burnout, relationship issues, or any other life stressors, I’m here to guide you through this journey. Seeking therapy can feel daunting, but taking this step shows your strength and commitment to change. Thank you for allowing me to support you. My mission is to empower individuals to face life’s challenges with resilience and optimism. Through compassionate therapy, I aim to help clients discover their inner strengths, develop effective coping strategies, and nurture meaningful connections. Together, we’ll work toward improving your mental well-being, fostering personal growth, and creating a balanced, fulfilling life. Your healing starts here — and I’m here to walk beside you every step of the way.
VirtualAvailable

$100/session

Humorous
Warm
Authentic

Specialties

Anxiety
Coping Skills
Grief
+9
I’m a Licensed Clinical Social Worker who works with children, adolescents, and adults navigating life’s challenges. My goal is to create a supportive and collaborative space where clients feel comfortable exploring their thoughts, emotions, and experiences. I have several years of experience working with children and parents, manage behavioral or emotional concerns, and build healthy coping skills. In addition to my therapy work, I also serve as a case manager in a long-term acute care hospital, where I support adults and older adults facing complex medical and life transitions. My approach is compassionate, practical, and strengths-based. I strive to help clients better understand themselves, develop effective coping strategies, and feel more confident navigating everyday life.
VirtualAvailable

$150/session

Humorous
Warm
Authentic

Specialties

Anxiety
Depression
LGBTQ
+8
I am a Licensed Clinical Social Worker licensed in both PA and NJ. I have been in private practice since 2001. I work with ages 15 years and older and I LOVE my career. I work with teens and young adults who are transitioning and have seen these clients through the entire process of not being accepted by peers and, very sadly family, to live incredible full lives. I have a past client's wedding to go to in May :) I get to witness my clients live the lives they've always wanted and I'm a small part of that. I absolutely love my job.
VirtualAvailable

$150/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Coping Skills
Life Transitions
+8
I am a Licensed Clinical Social Worker who has dedicated my professional life to the advancement of the human species. What do I mean by the advancement of the human species? Well, no one ever taught us how to be mindful of thought patterns; to be aware of our own scars and biases, no one gave us an instruction book when it comes to dealing with our emotional life and the emotional lives of others. Scary, those big feelings can be. Unless, you have a plan. That is where therapy comes in. We work together to develop plans to assure you accomplish the goals you set for yourself.
VirtualAvailable

$150/session

Warm
Authentic
Intelligent

Specialties

Anxiety
Coping Skills
Trauma and PTSD
+4
I am a Licensed Clinical Social Worker (LCSW) and Licensed Clinical Alcohol and Drug Counselor (LCADC) based in New Jersey. I specialize in trauma-focused therapy and use mindfulness-based approaches to help clients feel grounded, safe, and empowered in their healing. I also have experience working with individuals navigating co-occurring disorders, where mental health concerns and substance use intersect. My style is warm and person-centered, drawing from EMDR and other evidence-based practices. I also provide therapy in Polish for clients who prefer support in their native language.
VirtualAvailable

$150/session

Solution oriented
Direct
Intelligent

Specialties

Anxiety
Depression
Self Esteem
+10
HI, I'M A LICENSED PSYCHOLOGIST WITH MORE THAN 30 YEARS OF EXPERIENCE HELPING PEOPLE OVERCOME THE ANXIETY, DEPRESSION, OR ANGER THAT IS HOLDING THEM BACK FROM ACHIEVING THEIR LIFE GOALS. TOGETHER, IN A SAFE AND SUPPORTIVE ENVIRONMENT, WE EXPLORE THE DYSFUNCTIONAL THINKING THAT IS CONTRIBUTING TOWARDS YOUR EMOTIONAL DISTRESS AND PROBLEM BEHAVIORS. WE THEN WORK TO CHANGE THIS TO CREATE A SET OF MORE HEALTHY AND REALISTIC BELIEFS ABOUT YOURSELF AND YOUR LIFE. THE RESULT IS THAT YOU'RE NOT ONLY FEELING BETTER, BUT THAT YOU ARE ALSO BETTER ABLE TO MEET LIFE'S CHALLENGES AND PURSUE YOUR LIFE GOALS. IF YOU'RE TIRED OF THE BURDEN OF EMOTIONAL DISTRESS OR PROBLEM BEHAVIORS THAT HAS BEEN WEIGHING YOU DOWN, AND YOU ARE READY TO MAKE SOME CHANGES, I'M READY TO HELP YOU GET GOING TO MAKE THOSE CHANGES AND TO CREATE A HAPPIER AND MORE FULFILLING LIFE FOR YOURSELF.
VirtualAvailable

New to Grow

$120/session

Specialties

Anxiety
Couples Counseling
Family Therapy
+9
Hello, I'm a Licensed Marriage and Family Therapist (LMFT) dedicated to helping individuals, couples, and families navigate life's challenges with compassion and practical support. My approach is collaborative, creating a safe, nonjudgmental space where clients can explore their experiences, build resilience, and work toward meaningful, lasting change. I believe that healing happens through connection, self-awareness, and developing the tools to thrive both personally and in relationships.
Available

Often rebooked

$100/session

Warm
Humorous
Authentic

Specialties

Anger Management
Anxiety
Self Esteem
+8
Professional -> I am a clinical social worker with 20 years of mixed elementary, middle school, and high school Child Study Team experience which includes work with kids/tweens/teens with learning disabilities and/or emotional (predominately anxiety, anger, self-esteem)-social (mild autism spectrum disorder)-behavioral (covers a wide range!) needs, parent support/training. I do work with adults as well, but find the vast majority of my clients are kids/teens. Personal -> I am a married mom of two, and we are a dog family (dogs for the win! - although we also have a hamster, a lizard, and two degus). I love a traditional board or card game (Uno, Connect 4, Scrabble, Othello are my top!) and I always find a way to use humor - - Dad jokes get me rolling. I speak French, too. If you think you want to meet, but don't see a time that works send me a message and we will work something out.
VirtualAvailable

Often rebooked

$130/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Grief
+9
Hi! I am a Licensed Professional Counselor (LPC) in New Jersey with over 20 years of experience working with adolescents and adults in a variety of settings. I use a supportive approach to build a rapport and help the client identify realistic goals based on their needs. We will look at patterns throughout your life to see what things aren’t working for you any longer to make lasting change.
VirtualAvailable
Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in New Jersey. 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.

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.