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: 8/17/2026

New to Grow

$250/session

Authentic
Warm

Specialties

First Responders/Healthcare Workers
Anxiety
Depression
+7
I am a warm, compassionate, and direct therapist who believes healing happens when clients feel truly seen, heard, and supported without judgment. My style is collaborative, culturally responsive, and grounded in helping clients better understand themselves, their patterns, and the experiences that have shaped them. I work best with clients who are ready to explore their emotions, relationships, identity, trauma, stress, anxiety, depression, or life transitions in a deeper and more honest way. I bring both clinical knowledge and genuine humanity into the room, balancing empathy with gentle challenge when needed. My goal is to help you feel safe enough to be vulnerable, while also supporting you in building insight, emotional resilience, healthier coping skills, and meaningful change. As a therapist, I understand that seeking support can feel intimidating, especially if you are used to carrying everything on your own. I strive to create a space where you do not have to perform, minimize your pain, or have everything figured out before you begin. We will work together at your pace, with curiosity, compassion, and respect for your lived experience.
Available
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$150/session

Specialties

First Responders/Healthcare Workers
Anxiety
Life Transitions
+6
My approach is built on a foundation of warmth and non-judgmental acceptance, where you can feel safe to explore your deepest concerns. Clients often tell me they appreciate my direct communication style, which respectfully gets to the heart of the matter without endless circling. By combining a safe space with clear, insightful feedback, I aim to empower you to trust your own wisdom, develop a stronger sense of self-worth, and navigate challenges with newfound confidence and resilience
VirtualAvailable
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$150/session

Authentic
Intelligent

Specialties

First Responders/Healthcare Workers
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
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$150/session

Empowering
Humorous

Specialties

First Responders/Healthcare Workers
Addiction
Grief
+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
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$180/session

Empowering
Authentic
Warm

Specialties

First Responders/Healthcare Workers
Anxiety
Depression
+9
I'm Dr. Victoria Panna, a Licensed Professional Counselor (LPC) in NJ and PA, and the founder of Panna Counseling and Consulting Services. With over 16 years of experience, I provide a grounded, authentic space for high-achieving individuals to navigate life’s transitions. My approach blends clinical expertise with a straight-talking, supportive style, helping you move from feeling stuck to living with intentionality and confidence.
VirtualAvailable
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$150/session

Solution oriented
Direct
Intelligent

Specialties

First Responders/Healthcare Workers
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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$125/session

Authentic
Solution oriented
Warm

Specialties

First Responders/Healthcare Workers
Anxiety
Depression
+10
My name is Andy and I am a Licensed Mental Health Counselor (LMHC), and Navy Veteran with 11+ years of experience. I am a dedicated and compassionate clinician committed to supporting individuals from diverse cultural backgrounds. In addition to my therapeutic expertise, I am also fluent in Spanish. As a military veteran, I also know how the military lifestyle affects the family. I have extensive experience in addiction counseling, EMDR therapy, and family counseling.
VirtualAvailable
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$150/session

Warm
Authentic
Open-minded

Specialties

First Responders/Healthcare Workers
Anxiety
Depression
+9
I am Lali Binder, LPC, a licensed therapist with over 20 years of experience supporting children, adolescents, young adults, and families. I provide trauma-informed, evidence-based therapy to help clients strengthen emotional regulation, process difficult experiences, and build healthy coping skills. Through a supportive and collaborative approach, I help individuals and families improve communication, increase resilience, and create lasting positive change in their daily lives.
VirtualAvailable
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$120/session

Warm
Authentic
Empowering

Specialties

First Responders/Healthcare Workers
Anxiety
Coping Skills
+7
I’m a Licensed Therapist with four years of therapeutic/counseling experience working with teens, young adults, adults, and clinical professionals. I help clients manage challenges like personality disorders, trauma, PTSD, work-related stress, and relationship difficulties. I’m so glad you’re here! This space is created with love and intention—to provide mental health resources, education, positivity, and spiritual encouragement. My mission is to bring light, joy, and support to those navigating their journey toward healing and growth. I am honored to serve the community and walk alongside you on this path. Stay connected for inspiration, guidance, and tools to help you thrive. You are not alone, and your journey is worth embracing.
VirtualAvailable
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$120/session

Authentic
Direct
Humorous

Specialties

First Responders/Healthcare Workers
Anxiety
Depression
+8
I’m Dr. Zoya, a psychotherapist and counselor educator specializing in trauma, women’s mental health, and reproductive and perinatal mental health. I support individuals navigating anxiety, depression, infertility, pregnancy loss, postpartum adjustment, and the emotional weight that often comes with major life transitions. Many of my clients also carry trauma related to relational experiences, including histories of emotional abuse, physical abuse, sexual abuse, or difficult family dynamics. My approach is warm, culturally responsive, and collaborative. I integrate evidence-based practices such as CBT, mindfulness-based approaches, and narrative therapy, while also incorporating somatic strategies that support emotional regulation and mind-body healing. I believe therapy should be a space where you feel safe, understood, and empowered—not judged or rushed. Whether you are trying to rebuild after a painful experience, strengthen your relationships, or reconnect with your sense of self, I will work alongside you to develop practical tools, deepen self-awareness, and support meaningful, lasting change. My goal is to help you move forward with greater clarity, confidence, and emotional freedom.
VirtualAvailable
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$150/session

Humorous
Warm

Specialties

First Responders/Healthcare Workers
Anxiety
Career Counseling
+8
My background is in psychology and women's studies with a master's degree in clinical social work from NYU. With 25 years of experience, I individualize care using a variety of evidence-based treatment approaches including psychoanalytic psychotherapy (6-year post-grad program), Cognitive Behavioral Therapy (CBT Certified), Motivational Interviewing (MI Certified), and mindfulness. I help therapists, healthcare professionals, yogis, artists, musicians, educators - and others - with personal and job-related stressors. My focus is women's mental health: relationships, parenting, divorcing, dating, transitions, aging and bereavement. I welcome diversity among my clientele inclusive of all races, religions, sexual orientations/genders and neurodiversity.
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Often rebooked

$100/session

Authentic
Solution oriented
Open-minded

Specialties

First Responders/Healthcare Workers
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.
VirtualAvailable
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$100/session

Humorous
Warm
Authentic

Specialties

First Responders/Healthcare Workers
Anxiety
Coping Skills
+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
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$135/session

Warm
Solution oriented
Empowering

Specialties

First Responders/Healthcare Workers
Anxiety
Military/Veterans
+6
As a Licensed Professional Counselor, I support a diverse range of clients offering an integrative and client-centered approach rooted in Cognitive Behavioral, Solution-Focused, and Schema Therapy. I work collaboratively to help individuals understand and challenge unhelpful patterns, building on personal strengths to promote resiliency. If you're ready to take the next step in your journey toward healing and personal growth, I invite you to schedule a session with me. Whether you're navigating a specific challenge or simply seeking support and clarity, I'm here to help in a safe, compassionate space. Telehealth appointments are available for your convenience.
VirtualAvailable
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$150/session

Authentic
Warm
Open-minded

Specialties

First Responders/Healthcare Workers
Couples Counseling
Grief
+9
As a Licensed Clinical Social Worker (LCSW), I am committed to empowering individuals and couples to overcome life's obstacles. I specialize in offering compassionate therapy and assistance for issues such as substance use, anxiety, depression, interpersonal conflicts, and various life challenges with individuals and couples. My passion lies in creating a safe and supportive environment where my clients can embark on their journey towards healing and personal growth.
VirtualAvailable
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$175/session

Direct
Empowering
Intelligent

Specialties

First Responders/Healthcare Workers
Anxiety
Depression
+10
I'm a dedicated and compassionate psychotherapist with a strong focus on treating the whole person. With a deep understanding of the impact of trauma and the importance of cultural awareness, I'm committed to providing empathetic and effective support for individuals from diverse backgrounds and experiences. As a trauma-focused practitioner, I'm skilled in assessing and addressing the unique needs of my clients while fostering a safe and nurturing therapeutic environment. I value the importance of cultural awareness in her practice, enabling her to provide tailored and respectful care to individuals from all walks of life.
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$225/session

Empowering
Authentic
Direct

Specialties

First Responders/Healthcare Workers
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
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$165/session

Open-minded
Humorous

Specialties

First Responders/Healthcare Workers
ADHD
Life Transitions
+9
My name is Toni Ann Fontana, LCSW, and I bring over a decade of social work experience, including four years as a clinical therapist. I’ve had the privilege of working with a wide range of populations across diverse settings—hospital systems, intensive outpatient programs, and general outpatient care—which has shaped me into an adaptable, open-minded, and culturally responsive clinician. My experience includes supporting individuals with autism, children and adolescents, trauma histories, co-occurring disabilities, chronic illness, dementia, and caregivers, among others. This breadth of experience allows me to meet clients where they are, tailor evidence-based strategies to their unique needs, and hold space for growth in a way that feels collaborative and human. I’m passionate about helping clients navigate complex life challenges, build practical coping skills, and feel understood, all while honoring their individual experiences and identities.
VirtualAvailable
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$150/session

Solution oriented
Warm
Empowering

Specialties

First Responders/Healthcare Workers
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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$150/session

Authentic
Open-minded
Solution oriented

Specialties

First Responders/Healthcare Workers
Anxiety
LGBTQ
+8
Hello! I’m a Licensed Professional Counselor (LPC) licensed in both New Jersey and Colorado, with over 27 years of experience. I’ve had the privilege of walking alongside people through some of the most challenging and meaningful moments of their lives. Over the years, I’ve learned that effective counseling isn’t about having all the answers—it’s about creating a space where people feel truly seen, heard, and supported as they discover their own path forward. My style is eclectic, drawing from a variety of therapeutic approaches so I can tailor treatment to each unique client’s needs and goals. Whether through exploring emotions, building practical skills, or understanding deeper patterns, I’m committed to partnering with you to help you grow and heal in ways that feel authentic and effective.
VirtualAvailable
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New to Grow

$120/session

Empowering
Holistic

Specialties

First Responders/Healthcare Workers
Anxiety
Trauma and PTSD
+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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$175/session

Solution oriented
Warm
Authentic

Specialties

First Responders/Healthcare Workers
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
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$225/session

Authentic
Humorous
Warm

Specialties

First Responders/Healthcare Workers
Couples Counseling
Eating Disorders
+10
There is a way out. Those who come to see me are often at a crossroads, frustrated at how they are trying to deal with problems and seeking workable strategies and solutions to cope. Therapy is meant to be a space to feel welcome to talk about thoughts, feelings, and behaviors that are problematic. Understanding unhealthy behaviors, frustrations with life, and/or unsuccessful efforts to cope can help reveal the obstacles that may block your path to growth and desired outcomes. I have over 15 years experience providing therapy and case management including in the areas of: Couples counseling; Anxiety issues; Medical and chronic pain issues; Phobias; Eating disorders and body image challenges; Post-residential and outpatient maintenance therapy for continued abstinence and sobriety from substance use and eating disorders; Fertility and conception issues; LGBTQ and gender concerns; and Couples counseling (without legal involvement). I am distinguished by my training in Strengths Based Therapy, Cognitive Behavioral, Pain Reprocessing Therapy, Emotional Freedom "Tapping" technique, Acceptance and Commitment, Mindfulness, and Contemplative Care. I am licensed in CA, ID, VA, FL, TX, NJ, WA, and UT. Why do we explore? So you can live a life YOU want to live! ** I do not provide forensically-focused clinical services for individuals/couples involved in active litigation, divorce proceedings, or child custody disputes, nor do I provide court-ordered evaluations or expert testimony**
VirtualAvailable
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$150/session

Authentic
Empowering
Warm

Specialties

First Responders/Healthcare Workers
Anxiety
Coping Skills
+8
I’m a Licensed Clinical Social Worker with a deep passion for holistic healing and mind-body approaches to emotional wellness. My work blends traditional psychotherapy with integrative methods like EFT, mindfulness, and energy-based practices to support each client’s unique path to healing. I offer a warm, grounded, and nonjudgmental space where you can explore, heal, and grow at your own pace. I also speak German and am happy to offer sessions in German for those who feel more comfortable expressing themselves in their native language.
VirtualAvailable
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New to Grow

$120/session

Specialties

First Responders/Healthcare Workers
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
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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, First Responders/Healthcare Workers, 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.