Therapists that accept Cash Pay in North Carolina

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 173 verified therapists in North Carolina 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.

Find therapists near you in

Charlotte

Availability updated: 8/16/2026

New to Grow

$150/session

Specialties

Anxiety
Chronic Illness
Trauma and PTSD
+3
I’m a licensed therapist with over a decade of experience helping people navigate anxiety, trauma, relationship challenges, life transitions, chronic stress, and health-related concerns. My approach is warm, compassionate, and integrative. I believe therapy works best when you feel genuinely seen, understood, and accepted—not judged or placed into a one-size-fits-all treatment plan. I draw from psychodynamic, relational, cognitive, solution-focused, and coaching approaches, as well as my background in health coaching and nervous-system regulation. Rather than relying on one particular method, I tailor our work to you: your personality, your history, your goals, and what you need at this point in your life. I’m especially interested in helping people understand the patterns that may be keeping them stuck while also developing practical tools for creating meaningful change. My goal is not simply to help you “fix” a problem, but to help you develop a deeper understanding of yourself, feel more emotionally grounded, and create a life and relationships that feel more aligned with who you are. For clients working with me in person, I may also incorporate neurofeedback or BAUD (Bio-Acoustical Utilization Device) therapy when appropriate. These brain-based approaches can complement traditional talk therapy and may be helpful for nervous-system regulation, anxiety, and reducing the emotional intensity associated with difficult or traumatic memories. I see these tools as another way to support the therapeutic process—not a replacement for the relationship and deeper work that happens in therapy.
Available

$120/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Mood Disorders
Trauma and PTSD
+10
I’m a warm, down-to-earth therapist who believes that feeling safe, understood, and genuinely supported is the foundation for meaningful change. With over 15 years of experience across schools, hospitals, crisis settings, and community-based care, I’ve had the privilege of working with people at many different stages of life—from teens navigating overwhelming emotions to adults facing complex life challenges. My background as both a counselor and school social worker has given me a deep understanding of how early experiences, family dynamics, and life transitions shape who we are. I’ve supported students and families through anxiety, emotional struggles, and difficult situations, and I carry that same patience, empathy, and advocacy into my work with all clients. I’ve also worked in high-intensity environments—including crisis settings, alongside law enforcement, in hospitals, and with veterans, survivors of trauma and domestic violence, and individuals in eating disorder treatment. Because of this, I’m comfortable supporting clients who feel overwhelmed, stuck, or unsure where to start. You don’t have to have everything figured out to begin. In our work together, I focus on creating a space where you can be yourself without fear of judgment. I balance practical tools and coping strategies with deeper exploration, helping you not only manage what you’re going through, but also understand it. My approach is collaborative, supportive, and tailored to you—whether you’re looking for structure, insight, or simply a place to feel heard. Reaching out for therapy can be hard, but you don’t have to do it alone. My goal is to help you feel more grounded, more confident, and more in control of your life.
VirtualAvailable

$100/session

Authentic
Open-minded
Direct

Specialties

Addiction
Depression
Men's Issues
+10
I am a clinically seasoned therapist dedicated to helping people reclaim stability when life feels overwhelming, chaotic, or disconnected. My approach combines genuine empathy with objective feedback to address acute anxiety, trauma, and complex relationship dynamics. I focus on creating a reliable, conversational space where you can sort out your feelings, break unhelpful patterns, and move forward at a pace that works for you.
Available

New to Grow

$110/session

Empowering
Humorous
Open-minded

Specialties

ADHD
Anxiety
Coping Skills
+3
I am Amanda! Thank you so much for taking time to take a look at my profile. I am a Licensed Clinical Social Worker in North Carolina. I got my Masters degree from Winthrop University in 2013. I have done applied behavioral analysis with individuals with autism, in home therapy with at risk children and their families, outpatient therapy, and crisis response work. I like to bring a positive energy to each session and outlook to situations. I create a very nonjudgmental space where you are able to be open and share and be in the moment. I am very sensitive to everyone's different cultures and unique life experiences and I would love to help you with your journey of growth and healing.
Available

$200/session

Authentic
Solution oriented
Intelligent

Specialties

Addiction
Anxiety
Men's Issues
I'm a doctoral-level CBT practitioner who specializes in men's issues, though I have experience treating a large breadth of mental health concerns with diverse clientele. My style is laid back and I prioritize strong therapeutic relationships with all of my clients to serve as springboards for the changes they are hoping to make. A primary goal is to help minimize power dynamics to foster an environment in which clients feel comfortable taking risks and sharing freely. Additionally, I actively emphasize and leverage clients' innate strengths as vehicles through which to reach treatment goals.
VirtualAvailable

$100/session

Solution oriented
Authentic
Open-Minded

Specialties

ADHD
Anger Management
Men's Issues
+5
I'm a Licensed Clinical Mental Health Counselor who specializes in helping adults who are struggling with anxiety. I believe that everyone needs a helping hand at some point in their lives, and my focus is on providing support to those who are experiencing stress, anxiety, and depression. My goal is to create a safe and encouraging space for you to gain greater self-awareness and learn skills to help you manage these challenges and improve your overall quality of life. In addition to anxiety, I also have experience with a variety of other mental health issues, such as ADHD, depression, mood regulation, grief, trauma, career and education transitions, and anger management. In my career, I've worked with families and children from diverse backgrounds in a range of settings, including in-home therapy, school-based and office-based outpatient counseling, and therapy groups for children in elementary, middle, and high school. I hope to continue making a positive impact on the lives of those I work with and to help them navigate life's challenges with more ease and compassion. If you're struggling with anxiety or any other mental health issue, I'm here to help and support you.
Available

$125/session

Authentic
Solution oriented
Warm

Specialties

Coping Skills
LGBTQ
Self Esteem
+10
I am an experienced and dedicated professional with a rich history spanning over three decades in counseling, education, professional services, and human advocacy. With a robust background, I have accumulated over two decades of successful supervision, five years of specialized McKinney-Vento Act implementation, and a strong aptitude for managing intricate projects while promoting collaboration. My skill set encompasses adept writing, organizational prowess, effective communication, and expertise in counseling and program development. My true passion lies in addressing the multifaceted challenges that families, adults, children, and youth encounter, especially in the realms of poverty, homelessness, substance-related issues, incarceration, and other life difficulties. Throughout my career, I've established a proven track record of forging robust partnerships and making a lasting impact. My adaptability and unwavering commitment, as evidenced by my licenses and certifications, render me an invaluable addition to any organization committed to effecting positive change in the lives of vulnerable populations.
VirtualAvailable

$90/session

Empowering
Intelligent
Open-minded

Specialties

Anxiety
LGBTQ
Obsessive-Compulsive (OCD)
+10
I am a multilingual (English, Spanish, & Portuguese) Licensed Clinical Social Worker (LCSW) with clinical experience working with athletes, children, adolescents, and adults, including 2SLGBTQIA+, Latinx, immigrant, and foster/adopted parenting communities. I work with clients individually, dyadically, and in groups. I hope to convey warmth, compassion, and non-judgmental curiosity to every client with whom I am honored to enter into a clinical partnership. Meeting you where you are at, my aim is to provide a safe and confidential environment in which we can collaboratively explore factors that may be impeding your ability to live an engaged and meaningful life on your terms, as well as ways to overcome them. My responsibility as a clinician is to help you feel seen, heard, and understood after every session and more deeply connected to your mind, body, and heart. Recognizing that healing does not occur in a vacuum, I approach my clinical work through an inclusive liberation-focused lens that acknowledges systems of oppression, validates their impact on you, and champions your identities with respect to gender, sexuality, race, ethnicity, religion and spirituality, neurodivergence, body expression and body size, and dis/ability. Navigating the intersection of our respective individual identities through open dialogue, with careful consideration of privileged and historically marginalized identities, is of the highest importance to me.
Available

$100/session

Warm
Open-minded
Authentic

Specialties

Addiction
Mood Disorders
Trauma and PTSD
+10
If you are looking for support on your journey of self-discovery or dealing with some stressors, I would love to help! I enjoy working with individuals who may be struggling and need an empathetic ear. I believe everyone can improve their sense of well-being with some support. Some things I enjoy include spending time with my friends and family, visiting the beach and mountains, and doing arts and crafts.
VirtualAvailable

$150/session

Empowering
Warm
Authentic

Specialties

Anxiety
Depression
Trauma and PTSD
+9
Hello! I am a Licensed Clinical Social Worker (LCSW) based in North Carolina. I am also licensed in Virginia, Indiana, Colorado, and West Virginia. I completed my Master's Degree in Social Work in 2005 from Eastern Washington University and became licensed in 2015. I use a conversational format with humor mixed in for sessions. Each person is different and your treatment will be developed based on your needs and wants. I am here to guide, support, and encourage you to help meet your goals. I am your therapy cheerleader!
VirtualAvailable

Often rebooked

$110/session

Authentic
Warm
Solution oriented

Specialties

Anxiety
Insomnia/Sleep Issues
Life Transitions
+9
Hi there, I'm Jenni! Feeling stuck and frustrated? Struggling to deal with the loss of a loved one? Trying to find balance in your life while coping with chronic illness? Expecting an upcoming change? Not able to sleep or stay on top of things in your life? I am here to help! Therapy cannot be effective if we are not meeting your specific needs and goals. I want to meet you where you are and together identify a path forward. I want to understand you, your values, and your background while also giving you solution-focused interventions you can utilize to make changes. If talking it through without homework is the way you want to go, that is fine too! We are all capable of change and moving forward but sometimes it is the dialogues in our head, relationships, or other factors that are getting in our way. Therapy is a great place to work through those and be more connected with what you value in your life. Let's work together!
VirtualAvailable

New to Grow

$125/session

Specialties

ADHD
Anxiety
Trauma and PTSD
+4
Hi there! I help adults who feel stuck, overwhelmed, or exhausted reconnect with their strengths and build a life that feels more manageable. If you're feeling anxious, burned out, or unsure of the changes you want, you're not alone! I work with trauma, ADHD, autism, anxiety, depression, and life's many transitions in a supportive and nonjudgmental way. I also focus on attachment-related stress and relationship patterns. My approach is client-centered and neurodiversity-affirming, and I lean towards a comfortable, casual conversation style of talk therapy. I accept new clients in Missouri and North Carolina!
Available

$100/session

Warm
Authentic
Intelligent

Specialties

ADHD
Anxiety
Self Esteem
+1
Hi, I’m Michelle. If you feel overwhelmed, disorganized, stuck in procrastination, or frustrated that everyday tasks seem harder than they should, you’re not alone, and you’re not lazy or broken. I specialize in helping adults with ADHD, including those who are newly diagnosed, have lived with ADHD for years, or are beginning to wonder whether ADHD may explain some of their struggles. Together, we explore how ADHD may affect the way you think, feel, function, relate to others, and navigate everyday life. My approach is warm, collaborative, practical, and strengths-based. I draw from Cognitive Behavioral Therapy (CBT), mindfulness-based therapy, psychoeducation, and executive-functioning support to help reduce shame, increase self-understanding, and build practical tools that fit your life and the way your brain works. When appropriate, I may also incorporate EMDR to address distressing experiences, chronic shame, or negative beliefs that have developed through years of criticism, rejection, or feeling misunderstood. My work is also shaped by personal experience with ADHD, which has provided additional perspective alongside my professional training. This combination allows me to approach clients with both clinical expertise and an appreciation for the nuanced ways ADHD can affect daily life. My goal is to help you feel more confident, capable, and supported in creating a life that works with your brain rather than against it. For clients who would like to incorporate their faith into therapy, I also offer Christian counseling in a supportive and natural way.
VirtualAvailable

$110/session

Warm
Authentic
Open-minded

Specialties

ADHD
Family Conflict
Life Transitions
+10
I have been a counselor for over 26 years. I work with clients from very diversified backgrounds, helping clients to identify their issues, helping them to determine what is leading to these issues, and determining the best steps to address such issues. We will take a look at how your past is potentially affecting your current day and further attempt to work through any issues from your past that are stopping you from getting to where you want to be in life. I provide a nurturing, supportive and motivating environment.
VirtualAvailable

$120/session

Empowering
Solution oriented
Warm

Specialties

Addiction
Spirituality
Trauma and PTSD
+10
I am a NC Licensed Clinical Mental Health Counselor and NC Licensed Clinical Addictions Specialist who is passionate about helping individuals and families experience meaningful, lasting growth. I provide a warm, supportive environment where clients feel heard, respected, and understood. My approach is compassionate yet direct, blending faith-based principles with evidence-based practices such as CBT and Solution-Focused Therapy. In addition I hold a license in SC as Telehealth Registered Professional Counselor Provider #2806. Clients often describe me as empathetic, grounded, trustworthy, and easy to talk to. I value authenticity, integrity, and creating a space where healing feels both safe and empowering.
VirtualAvailable

$60/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Depression
I have a nurturing, empathetic nature no matter how difficult the situation you may be facing. I use this to provide comfort and stability that you may not be experiencing elsewhere. I would be honored to help guide you through your journey whether it be major or simply needing a listening ear. I have several years of experience working with many different individuals.
VirtualAvailable

$165/session

Authentic
Warm
Empowering

Specialties

Anxiety
Family Conflict
Self Esteem
+9
I became a Licensed Psychotherapist in 2001. Relationship therapy is my main specialty after years of conducting counseling sessions and realizing that this is where most of our pain lies even while life itself can be very troubling, often presenting multiple challenges at once. Seeking individual or couples therapy is a thoughtful and brave investment for yourself. I am currently welcoming new clients, offering flexible office hours and easy online booking to meet your needs. I look forward to starting this journey with you. Please feel free to email me, visit my website and schedule an appointment to get started.
VirtualAvailable

$130/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Depression
Life Transitions
+7
Hello there, I'm Heather. Are you experiencing anxiety, depression, or difficulty adjusting to life transitions? Are you noticing that things are overwhelming and more difficult to cope with because of the many stressors in life? Do you feel that you worry too much, are not good enough, or feel like you're stuck? Do you feel like you are all alone, that you have no one who really listens, understands you, or can relate to what you are going through? Well look no further because I specialize in alleviating anxiety, managing and overcoming depression, and adjusting to life transitions (such as parenting, relationship challenges, experiencing an empty nest, health issues, job loss, divorce, death of a loved one, or retirement.) It's a common experience to face these life challenges, but when those issues start to take over your life, it's time to get the support you need by working through this with a counselor so you can live a more fulfilling life. I am a Licensed Clinical Social Worker (LCSW) based in North Carolina, licensed to see clients in North Carolina working virtually, and I'm also licensed in California. I received my Masters from San Diego State University and have been practicing clinical social work for 21 years. I enjoy working with individual adults who are struggling navigating the stressors in life, and we would work together to get you unstuck as soon as possible so you can live a better life, on your own terms. You are brave and have made an important step in the change process just by being here.
VirtualAvailable

$125/session

Authentic
Warm
Empowering

Specialties

Anxiety
Trauma and PTSD
Women's Issues
+3
Hey, I’m Mariah! I work with women who look like they have it together on the outside but internally feel exhausted, anxious, overwhelmed, and stuck in patterns they can’t seem to break. A lot of my clients are the ones everyone depends on. They’re successful, self-aware, high-achieving, and used to pushing through. But underneath that, they’re overthinking everything, emotionally drained, struggling in relationships, and wondering why they still feel so stuck despite years of trying to “work on themselves.” Many have done therapy before and left frustrated because they gained insight but nothing actually changed. My approach is honest, direct, and focused on getting to the root of what’s keeping you stuck — not just helping you manage symptoms. I help clients understand the deeper patterns behind their anxiety, perfectionism, people-pleasing, emotional burnout, and relationship struggles so they can stop surviving life on autopilot. I’m not the therapist who just sits quietly and nods for 50 minutes. I’ll challenge you, connect the dots, and help you make real shifts in the way you relate to yourself and others. I also offer private pay therapy for clients looking for more personalized care without the limitations insurance can place on treatment. Clients are able to use HSA/FSA funds to pay for services and are able to receive partial reimbursement through out-of-network benefits.
VirtualAvailable

$160/session

Authentic
Warm
Empowering

Specialties

Anxiety
Depression
Trauma and PTSD
+10
• My name is Brooke, I am a Licensed Clinical Mental Health Counselor in the state of North Carolina (#11537). • I received my Master’s degree at Walden University. • I have been practicing therapeutic services for the last 13 years in an out-patient-therapy session in an office setting as well as telehealth as well as enhanced services in Medicaid on a state & county level. I have experience with all ages and client developmental and life stages. I primary assist with issues of depression, anxiety, trauma, life-transitions, family dynamic transitions, grief, complex illness, and end-of-life issues.
VirtualAvailable

New to Grow

$100/session

Solution oriented
Warm

Specialties

Anxiety
Depression
Life Transitions
+9
I am a CBT-based therapy practice with over 9 years of experience supporting clients through anxiety, depression, stress, and other emotional challenges. My approach is structured, collaborative, and focused on helping you understand the connection between your thoughts, feelings, and behaviors so you can make meaningful, lasting changes. In our work together, I use Cognitive Behavioral Therapy techniques to help you identify unhelpful thinking patterns, build healthier coping strategies, and develop practical tools you can use in everyday life. Sessions are goal-oriented but tailored to your individual needs, pace, and circumstances. With nearly a decade of clinical experience, I focus on creating a supportive and professional space where you can work through difficulties while building confidence, resilience, and long-term emotional wellbeing.
Available

$150/session

Authentic
Direct
Intelligent

Specialties

ADHD
Anxiety
Trauma and PTSD
+6
My approach is integrative, trauma-informed, and tailored to each individual from ages 6 through 50.. I see neurodivergent clients, LGBTQIA+ challenges, anxiety, depression, trauma, depression with a holistic approach to healing with psychoeducation on brain-body connection and tools to support the nervous system. As a neurodivergent individual, I am naturally attuned to the challenges and strengths of neurodivergent clients … which leads to greater patience, validation and empathy for my clients. I draw from science-based therapies to support healing on both emotional and nervous system levels. This may include trauma-focused work, nervous system regulation skills, mindfulness, somatic (body-based) practices, cognitive and behavioral strategies, and practical tools to support everyday life. Together, we will work at a pace that feels safe and supportive for you. Therapy may focus on processing experiences, building emotional regulation skills, increasing mind-body awareness, strengthening boundaries, and creating healthier patterns that extend beyond the therapy room.
Available

Often rebooked

$125/session

Warm
Authentic
Solution oriented

Specialties

ADHD
Anxiety
Spirituality
+10
Melissa Bradley, LCMHC, LPC, LCASA I am a licensed mental health in both NC and SC. I am dedicated to assisting adults and teens to navigate anxiety, stress, addiction, depression, with blends of evidence-based techniques such as EMDR, DBT, CBT and person-centered techniques. I am confident and comfortable discussing your personal spiritual beliefs and helping my clients to navigate through life's various challenges. I have a history of working in addictions counseling as well.
VirtualAvailable

$140/session

Empowering
Warm
Authentic

Specialties

ADHD
Chronic Illness
Women's Issues
+10
I am a Licensed Clinical Social Worker and Licensed Clinical Addiction Specialist with over 18 years of experience in mental health and addiction counseling field. I am licensed in South Carolina, North Carolina, Virginia, Utah, and Maine. My career has included extensive work with Veterans, Active Duty personnel, and federal employees, providing trauma informed care. I have a background in women's health issues, POTS, EDS / hEDS, MCAS, MCTD, RA, Lupus, perimenopause, and other autoimmune and chronic illnesses that need therapy supports. I specialize in Women's mental health, Recovery, ADHD and supporting neurodivergent adults, LGBTQIA+ individuals, mental health issues due to chronic pain and medical trauma, trauma survivors, addiction, burnout, anxiety, women’s issues, and major life transitions. My approach is nonjudgmental and trauma informed, meeting clients where they are with curiosity and compassion while creating a space for authentic growth and understanding. I value appropriate self disclosure when it supports the therapeutic process and use my training and lived experience to help clients develop tools that genuinely serve them. My work draws from an eclectic foundation that includes Acceptance and Commitment Therapy (ACT), Dialectical Behavior Therapy (DBT), Solution Focused Therapy, Polyvagal Theory, and Somatic approaches. I also integrate alternative and mind body methods that expand healing beyond traditional talk therapy, supporting both emotional and physiological well-being. I practice from an intersectional perspective, recognizing that our identities; race, gender, sexuality, neurotype, ability, culture, and lived experience intersect to shape how we move through the world and how the world responds to us. Healing requires honoring all of those parts. I believe neurodivergence is not something to be fixed, but understood, supported, and celebrated. Therapy is a space to learn your brain, not fight against it, to understand how it works, and build systems of support that honor your authentic wiring.
VirtualAvailable

$175/session

Authentic
Solution oriented
Warm

Specialties

Anxiety
Depression
Parenting
+6
Hello, I'm Justin. Have you ever felt overwhelmed by stress and life's complexities? Many do, and it's more common than you might think. Life's challenges can leave us feeling exhausted, anxious, and disconnected. But remember, you're not alone in this journey. As a Licensed Professional Counselor offering virtual therapy in Virginia and North Carolina, my role is to walk with you in creating a safe, empowering space. Together, we'll explore and employ a range of therapeutic techniques tailored to your unique needs. My goal? To help you navigating the intricacies of life and forge meaningful connections — with others and with yourself. In therapy, we uncover the roots of your stress, lighten your emotional load, and find strength in support and understanding. It's about building resilience and rediscovering your inner balance. If you're reading this, you've already taken a brave first step. You recognize the need for change and understand that carrying the burden alone isn't the only way. If you're ready to move forward, to cultivate lasting change and greater self-awareness, I'm here to guide you. Reach out, and let's start this transformative journey together.
VirtualAvailable
Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in North Carolina. We want you to find the best fit, therefore, Grow Therapy shows available therapists across North Carolina from Raleigh to Greensboro! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in North Carolina.

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need.

Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.

Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs. Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center.Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.