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 15 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: 8/10/2026

$100/session

Authentic
Solution oriented
Open-minded

Specialties

Serious Mental Illness
Anger Management
Anxiety
+9
Twenty-five years of experience working with a wide range of individuals with a wide range of presenting problems and needs. I have helped individuals work through grief, trauma, adjustment disorders, difficult life transitions, acculturation issues and end of life counseling. I have helped many individuals gain new insights and coping abilities in managing chronic mood disorders, anxiety and fear disorders, personality disorders and impulse control disorders. I have experience working with addiction and recovery including compulsive gambling and sex addictions. I have also worked with individuals in various stages of commitment to change. I began my career working in community mental health serving individuals with severe and persistent mental illness/primary psychosis disorders such as schizophrenia, schizoaffective, delusional and bipolar affective disorders. I have worked in a variety of settings within the mental health field including hospital settings, partial hospitalization settings, outpatient therapy, intensive case management, as well as remote services. I have been clinical director of two outpatient treatment centers. I have facilitated many therapy groups including anger management, anxiety management, wellness and recovery, co-occurring disorders and trauma-focused groups.
VirtualAvailable

$150/session

Warm
Empowering
Solution oriented

Specialties

Serious Mental Illness
Mood Disorders
Self Esteem
+10
Hello! I am an Licensed Clinical Social Worker in New Jersey with 16+ years of experience working with individuals of all ages in outpatient, in-home, crisis and hospital settings. I aim to collaborate on building a safe space where individuals can feel free to express themselves and work on building the life they desire. I generally offer a laid back approach and calming space in order to foster healing and onward progress.
VirtualAvailable

$150/session

Warm

Specialties

Serious Mental Illness
Anxiety
Couples Counseling
+10
Hello and welcome! I’m Habeebah Abdus-Salaam, a licensed therapist who blends evidence-based and relational approaches to help individuals and families build insight, emotional balance, and meaningful change. My style is warm, collaborative, and empowering that is grounded in curiosity and deep respect for each person’s unique story. I work with clients navigating anxiety, depression, emotional dysregulation, trauma, and life transitions, integrating DBT, CBT, narrative, and culturally responsive frameworks to promote self-awareness, emotional regulation, and resilience. My goal is to create a safe, nonjudgmental space where you can explore your story, reclaim your voice, and develop practical tools to manage life’s challenges with confidence and clarity.
Available

$150/session

Authentic
Warm
Open-minded

Specialties

Serious Mental Illness
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

$150/session

Warm
Authentic
Empowering

Specialties

Serious Mental Illness
Addiction
Anxiety
+8
I am a Licensed Professional Counselor based in New Jersey. I have five years of experience with both group and individual psychotherapy, specializing in trauma, mindfulness and addictions. My goal is to provide a comfortable and safe place to explore and process traumas and stressors, while teaching healthy coping skills and ways to access inner peace for comfort and healing.
VirtualAvailable

$120/session

Warm
Authentic
Solution oriented

Specialties

Serious Mental Illness
Coping Skills
Mood Disorders
+10
I am a Licensed Professional Counselor (LPC) with a Doctor of Education (EdD) in Community Care and Counseling specializing in Traumatology. I am dedicated to helping individuals navigate trauma, emotional challenges, relationship difficulties, and major life transitions. Additionally, I am a certified Sex Offender Treatment Provider (SOTP) with experience supporting diverse populations through evidence-based and compassionate care. I strive to create a safe, supportive, and collaborative therapeutic environment where clients feel heard, respected, and empowered. My approach to therapy focuses on healing, resilience, self-awareness, and meaningful personal growth. I believe therapy should enhance your quality of life by helping you build healthier coping strategies, strengthen emotional well-being, and create lasting positive change.
VirtualAvailable

New to Grow

$100/session

Specialties

Serious Mental 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

New to Grow

$200/session

Specialties

Serious Mental Illness
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
Available

$120/session

Authentic
Open-minded
Warm

Specialties

Serious Mental Illness
Anxiety
Coping Skills
+9
I want to commend you for reaching out for help. I am Heidi Herrick-Lynn, a licensed therapist. I have over 20 years of experience in helping people feel unstuck and make those changes in their life that propels them forward. We will work together to develop a plan that works for you and assists you in tackling the challenges you have.
VirtualAvailable

$110/session

Humorous
Direct
Solution oriented

Specialties

Serious Mental Illness
Addiction
Grief
+10
Hello and Welcome! If you are here, that means you have taken a huge step and a quite courageous one! You may even be looking for a therapist for a loved one which requires courage and bravery as well... My name is Chris Ecochard I have worked in many therapeutic settings ranging from Inpatient Detox, Short/Long-Term Residential, Partial Hospitalization, Intensive Outpatient, and Standard Outpatient. I have seen the transformation of countless individuals in their journeys of recovery whether it be from drugs/alcohol, mental health, loss, trauma, etc. Being a part of your journey is an honor and a privilege. Your therapeutic space is a sacred space for healing and growth.
Available

$100/session

Authentic
Empowering
Direct

Specialties

Serious Mental Illness
Addiction
Anxiety
+9
Hi there! My name is Dr. Gina Kilderry. I am a Licensed Professional Counselor (LPC) in Pennsylvania, Delaware, and New Jersey. I hold both a Master’s degree and a Doctorate (PsyD) in Counseling Psychology. I have worked with adults with varying concerns for 6 years in the Greater Philadelphia area. My clinical experience includes working with individuals with substance use disorders and co-occurring mental health conditions. I am certified as a Co-Occurring Disorders Specialist (CCDS). I also have experience working with criminal offenders in both community and institutional settings, addressing a range of behavioral, emotional, and psychological concerns. In addition, I have worked with LGBTQIA+ individuals both as a volunteer and in practice, and can assist with many related concerns. I have experience with various diagnoses, but I view each client as a person, not a diagnosis. I work collaboratively with each client on the goals you set, to help you achieve meaningful progress and personal growth.
VirtualAvailable

New to Grow

$120/session

Specialties

Serious Mental Illness
Anxiety
Domestic Violence
+10
Hi! I am a Palestinian-American therapist who is dedicated to serving the underserved and those who are often overlooked. My approach to therapy is to help you help yourself, I am here to assist you in achieving your treatment goals. I am committed to my clients and believe every single one deserves and is capable of living the life they want to live.
VirtualAvailable

$150/session

Warm
Authentic
Intelligent

Specialties

Serious Mental Illness
Anxiety
Depression
+6
If you're a Millennial or Gen Z adult feeling overwhelmed by anxiety, constant stress, or persistent overthinking, you're not alone. Anxiety can make it difficult to stay present, maintain routines, manage responsibilities, or enjoy everyday life. For many people, OCD adds another layer of distress through intrusive thoughts, excessive doubt, rumination, or compulsive behaviors that can leave you feeling stuck. I specialize in treating anxiety disorders and OCD using Exposure Response Prevention (ERP) and Cognitive Behavioral Therapy (CBT). ERP helps you gradually face feared thoughts and situations while learning to resist compulsions. CBT provides practical, evidence-based strategies to reduce anxiety, challenge unhelpful thinking patterns, and build lasting confidence. Healing starts with one small, courageous step—and that step might simply be sending an email or making a phone call. You don't have to keep managing this alone. I'm here to help you build the skills to move forward and create a life that's guided by your values, not by anxiety or OCD.
VirtualAvailable

$150/session

Solution oriented
Warm
Authentic

Specialties

Serious Mental Illness
Anxiety
Depression
+5
Thank you for coming here and viewing my page. I have much life experience besides work and school caring for those with a severe and persistent mental illness, mood disorders, anxiety and depression and woman's issues. Also, I have worked with many families of those struggling with mental health issues. My children and I are survivors of domestic violence and I have learned that with you can heal and reach your potential even when sometimes you do not think you can.
VirtualAvailable

$150/session

Authentic
Direct
Empowering

Specialties

Serious Mental Illness
Anxiety
Bipolar Disorder
+8
Hello everyone, I'm Tyisha B. Wright, Licensed Professional Counselor and Approved Clinical Supervisor, licensed in New Jersey and Pennsylvania. I have been doing this work for over 20 years and I show up the same way every time real, present, and invested in you. My approach is eclectic and I work with all ages. I draw from Person-Centered Therapy, Cognitive Behavioral Therapy, Solution-Focused Therapy, trauma-informed care, mindfulness, EMDR, family systems, motivational interviewing, and psychospiritual integration. I also use the five senses to help you slow down, get grounded, and connect with the here and now. I am a fully affirming therapist and welcome everyone, including my LGBTQ+ family. Something brought you here. Trust that. I cannot wait to meet you.
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, Serious Mental 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.