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 36 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

$100/session

Specialties

Crisis Intervention
Child or Adolescent
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.
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New to Grow

$125/session

Specialties

Crisis Intervention
Anxiety
Perinatal Mental Health
+10
Hello! I’m Priya, a Licensed Clinical Social Worker in New Jersey with over a decade of experience supporting adults through overwhelming transitions. I’m truly honored to walk alongside you on this journey. I enjoy working with both adults who may be navigating anxiety, relationship transitions, perinatal and postpartum mental health, infertility, and the emotional complexities of parenting. In addition, I have experience working with college age students navigating the many changes and pressures that come with college and early adulthood. As a parent myself, I can empathize! If you’re feeling stretched thin, uncertain, or not quite like yourself, you’re not alone—and you don’t have to figure it out on your own. I offer a warm, supportive space where you can slow down, process what you’re experiencing, and feel more grounded and understood.
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New to Grow

$180/session

Specialties

Crisis Intervention
Child or Adolescent
Family Therapy
+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.
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$120/session

Intelligent
Authentic
Empowering

Specialties

Crisis Intervention
Coping Skills
Trauma and PTSD
+10
Hi! I’m a Licensed Clinical Social Worker. I earned my Master’s in Social Work from Rutgers University in New Brunswick, NJ, and have been working in the social services field for approximately six years. During this time, I’ve had the privilege of gaining experience across a variety of settings, including child welfare, non-profit organizations, intensive residential treatment programs for children, veteran’s services program, and women’s homeless shelters.
VirtualAvailable
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$150/session

Solution oriented
Direct
Intelligent

Specialties

Crisis Intervention
Anxiety
Depression
+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
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$175/session

Specialties

Crisis Intervention
ADHD
Anxiety
+10
I'm a therapist who believes good therapy starts with feeling comfortable, not like you're sitting across from someone with a clipboard. I bring warmth, honesty, and a little casualness to our work together. I'm also neurodivergent myself, so I know firsthand what it's like to navigate a brain that works a little differently. That lived experience makes me a better therapist , not just a more empathetic one, but a more real one. I'm the kind of therapist who will laugh with you, be straight with you, and when you're ready, go to the deeper and harder places right alongside you. With experience spanning from early childhood all the way through older adulthood, I've had the privilege of working with people across every stage of life and across a wide range of needs. No matter where you're starting from, my goal is always the same : to meet you where you are and grow with you throughout the process.
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Often rebooked

$100/session

Authentic
Solution oriented
Open-minded

Specialties

Crisis Intervention
Anxiety
Depression
+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.
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New to Grow

$100/session

Specialties

Crisis Intervention
Coping Skills
Life Transitions
+5
I have worked as a school social worker, child study team social worker and therapist for 30 plus years. For the past 6 years I have worked with parents who needed assistance with managing home life with their children. This is a judgement free zone and confidentiality is very important. I look forward to working to help you discover the best version of yourself. There are times when we show ourselves grace we are able to move forward.
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$125/session

Warm
Empowering
Solution oriented

Specialties

Crisis Intervention
Addiction
Life Transitions
+7
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.
VirtualAvailable
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$150/session

Solution oriented
Authentic
Empowering

Specialties

Crisis Intervention
Anxiety
Couples Counseling
+9
I am Dr. Andre. I hold a bachelor's degree in theology, a master's degree in clinical Mental Health Counseling/Marriage & Family Therapy, and a Ph.D. in Marriage and Family Therapy. Looking back on my previous experiences of priestly ministry, crisis prevention, community mental health services, private practice, Part-Time faculty, therapeutic skills in various systemic approaches, and Corrections, I am well equipped to journey with you and assist you in making positive changes as designed. As a professor, I teach multiple approaches, including solution-focused theory, cognitive behavior therapy, narrative therapy, and systemic approaches. I employ the intervention based on the client's needs, strengths, and stages.
VirtualAvailable
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$175/session

Warm
Solution oriented
Empowering

Specialties

Crisis Intervention
Anxiety
Depression
+10
I have been working in the mental health field since 2018, serving as a therapist, clinical supervisor, and director of clinical programming. My experience includes working directly with clients while also mentoring other clinicians and developing evidence-based treatment programs. I have advanced training in Dialectical Behavior Therapy (DBT), Cognitive Behavioral Therapy (CBT), and trauma-focused modalities, and I frequently integrate mindfulness-based interventions into my work. My approach is compassionate, practical, and collaborative, helping clients build insight, strengthen emotional regulation, and create meaningful, lasting change.
VirtualAvailable
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$150/session

Warm
Empowering
Humorous

Specialties

Crisis Intervention
Addiction
Anxiety
+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 by 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
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$150/session

Warm
Authentic
Open-minded

Specialties

Crisis Intervention
Anxiety
Depression
+10
I'm a Philadelphia-based therapist who works with clients utilizing an attachment based and trauma informed approach. I often use humor during therapy sessions to make the process feel more approachable. I have experience working inpatient and outpatient with client's experiences trauma, PTSD, severe and persistent mental health and substance abuse. Outside of sessions, I enjoy running, spending time with my dog, and keeping up with my two kids.
VirtualAvailable
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$150/session

Solution oriented
Warm
Empowering

Specialties

Crisis Intervention
Anxiety
Depression
+10
Hi, I’m Chrissy, a Licensed Clinical Social Worker (LCSW) with over 17 years of experience supporting individuals, couples, veterans, and first responders. I work with a diverse range of clients, including adults, caregivers, and members of the LGBTQ+ community, and have dedicated much of my career to serving those who have experienced high levels of stress and trauma in both personal and professional settings. My approach is warm, collaborative, and grounded in evidence-based practices. I specialize in treating trauma, grief, anxiety, depression, and relationship issues, drawing from modalities such as Cognitive Behavioral Therapy (CBT), Cognitive Processing Therapy (CPT), interpersonal therapy, and couples counseling. Having worked closely with veterans and first responders throughout my career, I understand the unique challenges they face—including PTSD, moral injury, burnout, and the impact of service on personal relationships. Whether you're navigating a life transition, coping with loss, or seeking to strengthen your relationships, I provide a safe, non-judgmental space where you can feel heard, supported, and empowered. It’s a privilege to walk alongside my clients as they move toward healing, growth, and greater self-understanding.
VirtualAvailable
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New to Grow

$200/session

Specialties

Crisis Intervention
Anxiety
Depression
+10
Jessica M. Sepulveda, MSW, LCSW is a New Jersey licensed clinical social worker with over a decade of experience in trauma, complex family systems, and high-conflict relational dynamics. She founded Sepulveda Therapeutic Services as a deliberately small, boutique virtual practice, a place where every client receives her direct attention, her clinical precision, and her unhurried care. Her work spans family reunification, high-conflict couples counseling, trauma-informed care for adolescents, and recovery from narcissistic abuse. She brings advanced training in personality-related dynamics, including BPD-informed support and ODD behavioral strategy, alongside a systemic lens that decodes the patterns shaping the entire family, not just the person in the chair. Clients describe Jessica as direct, warm, and exceptionally attuned. She does not hide behind technique. She names what she sees, holds what is hard, and partners with you toward the kind of stillness that changes everything downstream. https://sepulvedatherapeuticservices.com
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New to Grow

$150/session

Specialties

Crisis Intervention
Anxiety
Depression
+9
I’m a Licensed Clinical Social Worker who works with adults and young adults navigating anxiety, stress, life transitions, and the impact of past experiences. Many of my clients are high-functioning on the outside but internally feel overwhelmed, stuck in patterns, or unsure how to move forward. I provide a direct, supportive, and nonjudgmental space where you can better understand how your thoughts, emotions, and behaviors are connected. My approach is grounded in evidence-based practices, including CBT, DBT, and trauma-informed care. I focus on helping you identify what’s maintaining your distress while also building practical tools you can use in your daily life. In our work together, we won’t just talk about what’s going wrong—we’ll focus on what actually helps. This includes learning how to regulate emotions, challenge unhelpful thinking patterns, set boundaries, and respond more intentionally rather than reactively. I also recognize that starting therapy can feel uncomfortable or uncertain, especially if you’re used to handling things on your own. My goal is to create a space where you feel understood, while also being challenged in a way that supports real growth. If you’re looking for a therapist who is both supportive and straightforward, and who will help you develop real, usable skills—not just insight—this may be a good fit.
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New to Grow

$120/session

Empowering
Holistic

Specialties

Crisis Intervention
Anxiety
First Responders/Healthcare Workers
+3
Hello, I'm Allen Davis. I'm dedicated to helping all my clients be the best version of themselves and evolve beyond their present concerns. My approach to therapy is grounded in the belief that a strong, balanced mind, body, and spirit are essential for overall well-being. I strive to show my clients the value of having a counselor in their corner to support them through life's challenges, using the knowledge and skills I've gained through intensive study and diverse life experiences. You don't need to face challenges alone to be your best, and I'm here to help you grow and thrive. I was born in Hartford, Connecticut, and graduated Cum Laude from Springfield College, MA in 2008. My journey has been enriched by my service as a U.S. Army Reserve Supply Technician and my military education, which includes the Ordnance Officer Basic Course, Naval School Explosive Ordnance Disposal, and the Combined Logistics Captains Career Course. In addition to my military background, I hold a Bachelor of Science Degree in Psychology with a concentration in clinical mental health counseling and a minor in criminal justice, a master’s degree in organizational improvement and leadership, a second master's in Higher Education Administration, and a third master’s degree in Clinical Mental Health Counseling. Currently, I'm working on a PhD in Counseling Education and Supervision.
VirtualAvailable
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$120/session

Warm
Authentic
Empowering

Specialties

Crisis Intervention
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
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$120/session

Warm
Empowering
Authentic

Specialties

Crisis Intervention
Anxiety
Depression
+10
As a bilingual Licensed Professional Counselor, I specialize in helping children, families, and adults navigate the challenges of trauma, ADHD, grief, and life transitions, am pleased to help adults, teens, and families in crisis. With deep cultural awareness and a trauma-informed approach, I create a safe and supportive space where individuals can heal, rebuild, and find resilience. I use Motivational Interviewing and Cognitive Behavioral Therapy initially in my practice.
VirtualAvailable
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$120/session

Empowering
Authentic
Warm

Specialties

Crisis Intervention
Anxiety
Depression
+9
Born and raised in the inner city by a single mother and a large extended family, I noticed the needs of those that were mentally or physically diagnosed were often not met. Therefore, I began to inquire about what I needed to do in order to be a part of the solution. I began to work in the field and I have worked in Behavioral/Mental Health for close to 20 years. My experience covers a plethora of ages and diagnosis across many settings. My determination to treat and support those with mental health diagnosis during the pandemic inspired me to perform outpatient therapy via telehealth to adults and adolescents. I specialize in adults 25-55 with various diagnoses but primarily Anxiety, PTSD, trauma and Depression to name a few. I love to utilize CBT, CPT, trauma informed care (TIC) and Motivational Interviewing as treatment modalities.
VirtualAvailable
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$200/session

Warm
Authentic
Open-minded

Specialties

Crisis Intervention
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.
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$150/session

Direct
Authentic
Intelligent

Specialties

Crisis Intervention
ADHD
Anxiety
+10
In my practice, I specialize in working with youth, adolescents, and adults, supporting them through life’s challenges with both compassion and expertise. I work with individuals facing anxiety, depression, ADHD, and other mental health concerns, providing care that is tailored to each person’s unique needs. My focus includes addressing youth behavioral issues, offering guidance in college and career planning, and supporting clients managing PTSD, OCD, and eating disorders. I strive to create a safe, collaborative environment where clients can develop skills, insight, and resilience to navigate both everyday challenges and more complex life experiences.
VirtualAvailable
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New to Grow

$125/session

Specialties

Crisis Intervention
Anxiety
Depression
+10
Taking your first step toward healing is often the most challenging and here you are! I have over 18 years of experience providing therapeutic services to individuals of all ages. I earned a Masters degree in Clinical Mental Health Counseling from Springfield College in Springfield, MA in 2004 and I became licensed in the state of New Jersey in 2008 as a Licensed Professional Counselor. I provide therapy services to individuals ages 5 to 65+ and over.
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New to Grow

$110/session

Specialties

Crisis Intervention
Anxiety
Depression
+10
When life feels heavy, it's easy to feel disconnected from yourself, your relationships, or the direction you want your life to take. Many of my clients come to therapy feeling overwhelmed by anxiety, depression, trauma, family conflict, grief, or major life transitions—and unsure of how to move forward. As a Licensed Professional Counselor serving adolescents and adults in Florida and New Jersey, I provide a supportive, nonjudgmental space where you can feel heard, understood, and empowered. Together, we'll identify what's contributing to your struggles, build on your strengths, and develop practical tools that support healing, resilience, and meaningful change.
Available
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$175/session

Authentic
Direct
Empowering

Specialties

Crisis Intervention
First Responders/Healthcare Workers
Military/Veterans
+7
Hi, welcome. I am so proud of you for taking the first step into your healing journey. My name is Erica and I have been working with children, adolescents, young adults and adults for over 15 years. I have a strong knowledge base of resources in the Philadelphia metro area. I currently only have DAYTIME availability due to current clients having established evening sessions. I became a mom during COVID, which was a big transition for me and quite the journey. This means I can provide insight, compassion and knowledge about parenting issues, fertility struggles, traumatic labor and delivery and pregnancy loss. I started my career in case management working with children and families, connecting them to community resources, and therapies, then I grew into acute care, running children and adolescent group therapy, family therapy and individual and crisis counseling. Since most of my history is in acute care, I have a passion for working in crisis and trauma, working with all demographics. My extensive background in crisis and trauma allows me the compassion and space for those needing a little extra support, to check my email and text those clients throughout the day. I have a strong passion for veterans, active duty/reserves, their families and all first responders. As a first responder wife, I empathize with the difficulties the schedule can be on you, your family and your mental health. I have recently completed Rutgers Certificate Program in Trauma Response and Crisis Intervention, as well as Completed the Dare to Lead, program by Brene Brown. I am a volunteer coach for special Olympics, participate in advocacy work for survivors of military loss, on the Delaware county advisory council for veterans.
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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, Crisis Intervention, 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.