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: 8/18/2026

New to Grow

$120/session

Specialties

Chronic Illness
Depression
Life Transitions
+3
About Me As the sole owner and clinician of Walls Come Tumbling Down, I have spent the past two years building a practice centered on providing compassionate, supportive, and empowering mental health care. As a Licensed Clinical Social Worker (LCSW) with 12 years of clinical experience, I understand that beginning therapy can feel both exciting and vulnerable. I am providing compassionate, supportive, and client-centered mental health care. I believe that therapy is a safe space where you can be heard, understood, and empowered to work through life’s challenges while discovering your strengths and purpose. As the sole owner and clinician of Walls Come Tumbling Down for the last 2 years My Ideal Client My ideal client is a woman of Christian faith who may be experiencing depression, anxiety, stress, relationship challenges, or other life circumstances that have left her feeling overwhelmed, stuck, or disconnected from herself. She is ready to grow, heal, and make meaningful changes in her life—mentally, physically, emotionally, and spiritually. My Approach My approach to therapy is warm, compassionate, nonjudgmental, and faith-sensitive. I meet each client where she is and work collaboratively to help her develop practical tools, gain insight, strengthen her emotional well-being, and move toward the life she desires. For clients who desire it, I integrate Christian faith and spiritual principles into the therapeutic process while respecting each person’s individual beliefs and journey. I believe that healing is a process, and you do not have to walk through it alone. My goal is to help you recognize your worth, build resilience, strengthen your relationship with yourself and your faith, and create lasting positive change.
Available

$150/session

Authentic
Intelligent

Specialties

Chronic Illness
Depression
Grief
+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

$120/session

Intelligent
Warm

Specialties

Chronic Illness
Anxiety
Depression
+5
My name is Dr. Oluwatoyin (Toyin) Fawole, and I am a compassionate provider committed to helping you feel supported, understood, and empowered. I bring more than 25 years of experience in behavioral health, along with training in trauma care and evidence-based approaches. My goal is to create a safe and calm space where you can explore what you need, gain clarity, and begin meaningful change. I believe healing involves the whole person—mind, body, and spirit. I will work with you at your pace, helping you build insight, resilience, and practical tools you can use in daily life. No matter where you’re starting from, you don’t have to navigate it alone.
VirtualAvailable

$100/session

Solution oriented
Authentic
Direct

Specialties

Chronic Illness
ADHD
Anxiety
+5
Hello, my name is Laura Savage, and I have had the privilege of working as a Social Worker since 1997. I earned my undergraduate degree from the University of Delaware and later obtained a Master’s in Social Work from Florida International University. Throughout my career, I have had the opportunity to work with diverse populations across a range of settings, including an adolescent residential treatment facility, a hospital, and a nonprofit organization supporting children affected by cancer and their families. Currently, I am employed within a school district, where I provide school-based counseling services to middle and high school students. My therapeutic approach is grounded in Cognitive Behavioral Therapy (CBT), which I use to help students manage challenges related to ADHD, Autism Spectrum Disorder, and anxiety. I also support students in developing executive functioning skills and strategies that promote academic and personal success. In addition to working with adolescents, I enjoy working with young adults and individuals in midlife. I have completed Gottman level one and two training and work with many couples
VirtualAvailable

New to Grow

$80/session

Specialties

Chronic Illness
Anxiety
Depression
+10
I am a Licensed Clinical Social Worker in NJ. I have been practicing approximately 6 years. I am warm, empathetic, and passionate. I began this work because I have indirect and direct experience with mental health concerns. I understand how challenging it can be to feel to navigate life stressors. I am here to help in any way I can.
Available

$150/session

Intelligent
Authentic
Solution oriented

Specialties

Chronic Illness
Anxiety
Depression
+9
I am a Licensed Clinical Social Worker with more than 30 years of experience helping adults navigate life's challenges, transitions, and opportunities for growth. I believe that every person has a story, and sometimes the stories we tell ourselves can keep us feeling stuck, disconnected, or uncertain about the future. That's why I call myself The Story Shifter—because healing often begins when we discover new ways of understanding our experiences and ourselves. Together, we will explore the experiences that have shaped your life with curiosity, compassion, and without judgment. As we gain insight into old patterns and beliefs, new possibilities can emerge. By shifting perspective, we can find meaning in difficult experiences, reconnect with our strengths, and create a more fulfilling path forward. My approach is holistic and integrative, honoring the connection between mind and body. I help clients find clarity, resilience, and a deeper sense of purpose and well-being.
VirtualAvailable

$125/session

Warm
Authentic
Intelligent

Specialties

Chronic Illness
Anxiety
Depression
+9
I am a licensed clinical social worker (LCSW) who has over 25 years of experience working with people across all ages around all the major life transitions and mental health issues. I have practiced in both inpatient, outpatient and partial hospitalization programs as well as medical hospitals and emergency rooms. I have a passion for helping people realize that they are not defined by their physical or mental health conditions.
VirtualAvailable

$100/session

Warm
Solution oriented
Intelligent

Specialties

Chronic Illness
Anxiety
Insomnia/Sleep Issues
+3
As a Licensed Clinical Social Worker (LCSW), I specialize in helping individuals identify their strengths, set meaningful goals, and move forward with greater clarity and purpose. Since becoming licensed in 2004, I’ve worked with clients across a wide range of life stages and challenges, using a goal-oriented, strengths-based approach rooted in evidence-based practices. My clinical focus is on empowering clients to overcome barriers, build resilience, and make intentional changes that support long-term growth. Whether you’re navigating a life transition, managing stress, or feeling stuck, I provide a supportive and structured space where we can work collaboratively to identify what’s not working—and develop practical, sustainable strategies to help you thrive.
VirtualAvailable

$150/session

Warm
Intelligent

Specialties

Chronic Illness
Anxiety
Depression
+3
Hello, and welcome. My name is Kandice Witherspoon, and I am a Licensed Professional Counselor in Pennsylvania and New Jersey with more than 20 years of experience providing mental health services throughout Pennsylvania, including the Pittsburgh and Philadelphia regions. I earned a Master of Science in Community Counseling from Springfield College in 2005 and a Master of Arts in Clinical Counseling from Waynesburg University in 2011. Over the course of my career, I have worked with emotionally vulnerable populations in a variety of settings, including hospitals, community mental health agencies, outpatient programs, and private practice. I have experience supporting children, adolescents, adults, older adults, and families from diverse backgrounds and life experiences. My areas of specialization include depression, generalized anxiety disorder, trauma, stress management, and life transitions. I also have experience working with individuals living with chronic medical conditions, including Parkinson's disease, and understand the emotional and psychological challenges that can accompany long-term health concerns. In addition to providing therapy, I have four years of experience supervising master's-level clinicians in BHRS and outpatient settings. I also completed a two-year certification program in Cognitive Behavioral Therapy through a mental health agency partnership with the Beck Institute. Clients often describe me as warm, compassionate, empathetic, and nonjudgmental. I strive to create a safe, supportive environment where clients feel heard, respected, and comfortable being themselves. While therapy is important work, I also believe that a genuine, lighthearted approach can help foster trust and connection.
Available

$85/session

Solution oriented
Warm
Empowering

Specialties

Chronic Illness
Anxiety
Bipolar Disorder
+4
I am a Licensed Clinical Social Worker in New Jersey with over 28 years of experience as a therapist. I earned my MSW from Widener University in 1997. Since then, I have worked in private practice, and as a therapist in a non-profit agency. I have run successful group therapies as well as working individually with clients. I have had great success with issues of anxiety and trauma, chronic pain, personal empowerment and relationship issues. In 2025, I became a Certified Mental Health and Nutrition Clinical Specialist (CMNCS). This means I have knowledge about how food and nutritional supplements affect your mental health. My professional mission has always been to be there for anybody who develops a hiccup in life and needs a helping hand to get through it.
VirtualAvailable

$150/session

Warm
Open-minded
Authentic

Specialties

Chronic Illness
Anxiety
Depression
+8
Therapist, MA, LPC and LCADC with a BA in Education and MA in Counseling/Psychology. I have worked in all levels of care in the Mental Health and Addictions fields for the past 20 years (detox, inpatient, residential, PHP, IOP and OP) for hospitals, agencies and non-profits. I am dedicated to supporting individuals throughout their therapeutic experience, fostering awareness and change. My approach combines cognitive-behavioral, humanistic, psychodynamic and solution based therapy. I have worked with clients with a wide range of concerns including depression, anxiety, relationship issues, parenting problems, career challenges, trauma, abuse and ADHD. An individualized eclectic approach is taken to help the client define goals and objectives. I offer a therapeutic relationship that is comfortable, warm, and open to discussing all issues. Through support, understanding and active listening we explore life issues together, so clients may have a better ability to enjoy life and feel understood. My therapy style is warm and interactive. I believe in treating anyone with respect, sensitivity, and compassion, and I don't believe in stigmatizing labels. My approach combines cognitive-behavioral, humanistic, psychodynamic and rational-emotive therapy. I will tailor our dialog and treatment plan to meet your unique and specific needs. It takes courage to seek a more fulfilling and happier life and to take the first steps towards change. If you are ready to take that step, I am here to support and empower you. I look forward to working with you.
VirtualAvailable

$225/session

Empowering
Authentic
Direct

Specialties

Chronic Illness
ADHD
Anxiety
+6
I’m a Licensed Professional Counselor working with adults who function well in demanding roles but experience internal strain related to anxiety, ADHD, sleep issues, or sustained stress. Many of my clients are in high-pressure environments such as healthcare, first response, STEM, or other responsibility-heavy fields, and are seeking support that goes beyond surface-level coping. My work is informed by formal training in clinical counseling at the University of Pennsylvania, as well as a research background in STEM fields. This combination shapes a structured, systems-oriented approach that integrates neuroscience, evidence-based therapy, and careful attention to how complex internal patterns develop and persist under pressure. I work with individuals across diverse backgrounds, including LGBTQ+ clients, and approach identity as an important part of lived context rather than the problem itself. Therapy is a space for clarity, safety, and meaningful change, especially for those who appear capable on the outside but feel taxed or constrained internally.
VirtualAvailable

$84/session

Warm
Authentic
Empowering

Specialties

Chronic Illness
Anxiety
Depression
+9
Hi, I am a licensed clinical social worker (LCSW) with over 20 years of social work and mental health experience. I utilize evidence-based therapy models focused on my clients' strengths, abilities, and unique life experiences in efforts to improve quality of life and restore overall health and wellness. I greatly enjoy my work with clients and the reward in my work is seeing clients succeed and overcome life's challenges.
VirtualAvailable

$150/session

Warm
Open-minded
Authentic

Specialties

Chronic Illness
Anxiety
Couples Counseling
+10
My path to counseling has been shaped by more than 20 years of experience working in universities and nonprofits across the U.S., including two decades in academic medicine and biomedical research administration. As a former biomedical researcher and a leader in administrative research operations, I understand the pressures of high-achievement environments, the complexity of navigating institutional systems, and the emotional toll that can come with careers in science, healthcare, and technology. This unique perspective allows me to connect deeply with students, academics, and professionals working in demanding fields.
VirtualAvailable

New to Grow

$200/session

Specialties

Chronic Illness
Coping Skills
Depression
+9
My name is Ruth McClary and I am a Licensed Clinical Social Worker with 35 years of counseling experience. I treat depression, anxiety and other clinical diagnoses. I specialize in women’s issues. I utilize a variety of treatment methods including family systems with a strength based approach. I offer understanding and compassion to my clients. I am easy to get along with and look forward to working with you.
Available

$100/session

Authentic
Warm

Specialties

Chronic Illness
Anxiety
Couples Counseling
+10
Great to meet you! Hello, I am a Licensed Professional Counselor (LPC) with a strong clinical background supporting individuals and couples through complex emotional and behavioral challenges. I have a MAEDS from Seton Hall and my training in counseling has equipped me with evidence-based approaches to treatment. I specialize in treating co-occurring disorders, anxiety, depression, PTSD, mood disorders, divorce and life transitions.
Available

$175/session

Solution oriented
Warm
Authentic

Specialties

Chronic Illness
Anxiety
Depression
+10
Hi there, I'm Sophia. I know it can be scary and uncomfortable asking for help; I'm here to be a guide as you maneuver through this interesting journey we call life. I can offer a safe space where we can look at the parts and pieces you don't share with others and put them back together again. Becoming more aware of how we perceive and interact with the world and those around us can be challenging but I am here to help find a way. I am passionate about providing a compassionate and nonjudgemental experience; I want to meet you where you are and provide a framework we can work towards in effort to bring about lasting change. Whether you feel overwhelmed by life's challenges or want to get into a healthier frame of mind, I'm here to help.
VirtualAvailable

$120/session

Warm
Authentic
Empowering

Specialties

Chronic Illness
Anxiety
Peer Relationships
+10
Hi! I'm a Licensed Clinical Social Worker (PA, DE, NJ) living in Philadelphia. I've been a social worker for 9 years now. I'm here to help you work through the challenges in your life by exploring deep feelings, past experiences, and ongoing stressors in a safe and supportive way. I am here for you and cannot wait to get started! *Please note- I am not currently conducting sessions in Spanish.
VirtualAvailable

New to Grow

$120/session

Specialties

Chronic Illness
Anxiety
Depression
+10
Hello & welcome! I am a Licensed Professional Counselor, Nationally Certified Counselor, and Board Certified Music Therapist in NJ. My 8 years of experience range from working in an acute psychiatric hospital, to a mental health urgent care, to intensive outpatient, as well as general outpatient. I received my Bachelor of Music in Music Therapy in 2018, my MA in Mental Health Counseling in 2022, and my MA in Music Therapy in 2022. In addition to my identity as a Professional Counselor & Music Therapist, I am active in the performing arts field as a professional vocalist & bassist. It is my strong belief that creativity fuels the soul. This unique perspective translates into my role as a mental health professional.
VirtualAvailable

$200/session

Authentic
Direct
Empowering

Specialties

Chronic Illness
ADHD
Anxiety
+10
I’m a Licensed Professional Counselor who helps you to navigate anxiety, ADHD, stress, and relationship patterns that feel hard to break. I use CBT and hypnotherapy to create real, lasting change by working on both thought patterns and deeper subconscious blocks. My approach is warm, down-to-earth, and focused on helping you feel understood, supported, and more in control of your life.
VirtualAvailable

$120/session

Specialties

Chronic Illness
Addiction
Anxiety
+9
Hello everyone, I am a licensed therapist in NV,GA,MS,PA ,NJ, DE, SC and Fl. I’m also a nationally approved clinical supervisor. I enjoy assisting others to reach their point of self actualization . I m currently a doctoral student at Cal Souther University Program of Psychology. I consider my self a life long student. I graduated from University of The South West in Hobbs NM with a masters degree in Mental Heath counseling. I also graduated from Lincoln school of nursing in New Jersey and Marinello Beauty school in Las Vegas. I am a licensed clinician, cosmetologist and nurse. I enjoy coupling my experience in cosmetology, medicine and mental health and educating a diverse group of clients in understanding how beauty comes from the inside out. When working with clients I assist them in building confidence in themselves , support them to advocate to meet their self needs while pursing a life of autonomy and leaving them with the tools which will further fuel their success , self worth and self confidence!
Available

$200/session

Warm
Authentic
Open-minded

Specialties

Chronic Illness
ADHD
Anxiety
+10
I am an advocate for Diversity, Equity, and Inclusion, a passionate partner in your healing process. As a clinician, I believe strongly in meeting you where you are. Even if it is a place you have never opened the doors for another. I gained my education at New York University and have experience working in many major diverse communities across the United States. This practice experience and armed me with the humility to connect with all cultures, intersections, and identities.
Available

New to Grow

$100/session

Specialties

Chronic Illness
Anxiety
Depression
+10
I am a seasoned therapist with more than 9 years of experience helping people live their authentic lives through honesty, humor, value, and a good plan. I believe in a direct, no-nonsense approach. I use an integrated approach to therapy, tailoring treatment to each person's unique needs, strengths, and goals. I am passionate about helping clients identify opportunities for growth, recognize points of hope, and create realistic plans for meaningful change. I have experience working with teens, young adults, older adults, couples, and families. I support clients navigating a variety of concerns, including anxiety, depression, trauma, bipolar disorder, personality disorders, chronic illness, and LGBTQ+ related concerns.
Available

$120/session

Warm
Empowering
Authentic

Specialties

Chronic Illness
Life Transitions
Mood Disorders
+10
As a therapist, I am passionate about helping people to create the life they want. Using my training and experience, I develop a collaborative, warm, and down-to-earth approach. I am committed to creating a safe space for you. Together we uncover your strengths to use in our work together as we decrease obstacles standing your way. My work is rooted in mindfulness and the understanding that "we do not harvest our inner crop on the same day we plant the seed". I look forward to partnering with you in your journey. When I am not working, I enjoy knitting. Knitting, much like therapy, is a process of creating something meaningful stitch by stitch.
VirtualAvailable

$65/session

Authentic
Warm
Open-minded

Specialties

Chronic Illness
Child or Adolescent
Coping Skills
+8
I was born in NJ where I completed my education at Rutger's University and now live with my family in DE. I have my LCSW in DE, NJ, and CA and currently practice in these 3 states. I am an animal lover of all kinds and enjoy being outdoors as much as I can. In my free time, I enjoy traveling, hiking, exercising, and reading.
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. For example, your selected specialty, Chronic Illness, is filtering therapists in New Jersey that work with patients with similar concerns.

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.