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 163 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.

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Charlotte

Availability updated: 8/17/2026

$90/session

Solution oriented
Authentic
Direct

Specialties

Family Conflict
ADHD
Anger Management
+8
Dr. Natika McPherson is a Licensed Clinical Mental Health Counselor Supervisor (LCMHCS), educator, author, and nonprofit founder with more than 25 years of experience serving children, adolescents, and families. She specializes in helping clients navigate emotional, behavioral, relationship, and life challenges while building resilience, confidence, and healthy coping skills. Dr. McPherson utilizes evidence-based approaches, including Cognitive Behavioral Therapy and Solution-Focused Therapy, tailored to each client's unique needs. Her work is grounded in the belief that every individual has strengths that can be developed to create meaningful change, improve relationships, and achieve personal growth and long-term success.
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New to Grow

$130/session

Specialties

Family Conflict
Anxiety
Life Transitions
+8
I'm Kiara Grier, a therapist dedicated to supporting individuals through life's most challenging moments. With six years of clinical experience, I work with clients navigating stress, anxiety, relationship difficulties, parenting concerns, and self-esteem struggles. I'm passionate about helping people build stronger communication skills, discover their life purpose, and work through feelings of guilt, shame, and the desire for forgiveness. My approach is grounded in understanding the complexities of human connection—whether that's attachment patterns, codependency, or blended family dynamics. I also specialize in supporting young adults facing questions about their purpose in life and individuals navigating major life transitions. I am especially passionate in helping individuals desiring to integrate their Christian faith with their healing journey and finding their life's purpose and calling. I believe in meeting you where you are with warmth, respect, and genuine care. My goal is to create a therapeutic space where you feel heard and supported as you work toward meaningful growth and healing. I'm honored to walk alongside you on your journey.
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$185/session

Authentic
Solution oriented
Direct

Specialties

Family Conflict
Anxiety
Couples Counseling
+15
John Swails is an ordained minister, a Marriage and Family Therapist (LMFT), Certified DBT Therapist, and Marine Corp Veteran, with military mental-health practice experience addressing traumatic stress, separation, family grief, and relationship issues, and civilian experience addressing physical and sexual abuse, single-mothers with dual diagnosed children, and group therapy for middle-school and teens to develop resiliency. As a therapist, John utilizes proven DBT, Strategic, CBT-Family, Solution-Focused, and other systemic techniques to address individual, couple, and family issues. As a minister John is sensitive to the beliefs of the client and is ready to explore spiritual solutions to any issue.
VirtualAvailable
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$90/session

Authentic
Empowering
Intelligent

Specialties

Family Conflict
Anxiety
Child or Adolescent
+10
Greetings to all of you. My name is Jameion B. Fowler. I'm so happy to be able to work with a variety of different populations throughout my career. These include Mental Health, Substance Abuse and work with Children and families. I am currently working as a Licensed Clinical Social Worker/Therapist. I am currently licensed in North Carolina and South Carolina.
VirtualAvailable
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$200/session

Warm
Authentic
Open-minded

Specialties

Family Conflict
ADHD
Anxiety
+10
If your brain never fully shuts off, you overthink everything, or you feel mentally exhausted even when life looks “fine” from the outside, you’re in the right place. I work best with thoughtful, reflective adults navigating anxiety, ADHD, burnout, relationship patterns, life transitions, and the pressure of trying to hold everything together. Many of my clients are young adults, college students, and working professionals who are thoughtful, high-functioning, and often spend more time in their own heads than they’d like. My approach is conversational, direct, and insight-oriented. I don’t believe therapy is about me having all the answers. You are the expert on your own life. My role is to help you identify patterns, challenge assumptions, explore different perspectives, and uncover solutions that already fit who you are. Clients often appreciate my open-minded approach, curiosity, and ability to create a space where they can think out loud without judgment. Therapy with me is less about being told what to do and more about developing a deeper understanding of yourself and how you want to move through the world.
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$100/session

Authentic
Empowering
Solution oriented

Specialties

Family Conflict
Couples Counseling
Family Therapy
+9
Alyssa McCormick, a proud Fayetteville NC native, has dedicated her career to enhancing mental health support in underserved communities. After earning her Bachelor of Social Work degree from Fayetteville State University in 2015 and her Master of Social Work degree from Our Lady of the Lake University in 2019, Alyssa became a Licensed Clinical Social Worker. Her passion lies in normalizing therapy within Black and Brown communities, a mission she actively pursues in her dual roles. As a full-time Military Family Life Counselor at Fort Bragg and a part-time Outpatient Therapist, Alyssa provides comprehensive care to a diverse clientele, including children, teens, and adults. Her therapeutic expertise spans individual, group, couple, and family therapy, reflecting her commitment to addressing a wide array of mental health needs. Before she embarked on her journey of becoming a mental health profession, Alyssa was an elementary school teacher and a high school dance and color guard coach. Her therapy style is laid-back, relatable, and collaborative, creating a space where clients can feel comfortable being themselves without fear of judgment. I believe that meaningful growth happens when people feel genuinely heard and understood, so I strive to build authentic connections while bringing warmth, humor, and compassion into the therapeutic process when appropriate. At the same time, I am intentional and goal-oriented in my work. I combine a supportive, conversational approach with evidence-based interventions to help clients gain insight, develop practical coping skills, and make lasting changes.
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$160/session

Authentic
Direct
Warm

Specialties

Family Conflict
Anxiety
Depression
+9
Hi, I'm Ashley! I help women tap into their resilience, restore hope, and transform their lives with authenticity, compassion, and a passion for seeing women thrive. I like to consider myself THE therapist for women. My mission is to help individuals navigate life’s difficulties to become the best possible versions of themselves. Both my clinical and personal experiences have taught me that, though we cannot control everything, we can control our behaviors, perspectives, beliefs, actions, and HEALING. I plan to equip you with the tools needed to promote your overall well-being and facilitate lasting positive change. I hold EMDR and talk therapy sessions with clients who struggle with trauma, anxiety, depression, ADHD, mood disorders, and difficulty navigating challenges and transitions. However, I specialize in perinatal mental health, infertility, and EMDR. In addition, I run a support group for women struggling with infertility. Through additional training and certifications, I have and continue to develop a variety of tools to support you, and I may use different techniques during our work together. Accordingly, my approach is best described as client-centered and strengths-based, drawing also on theories and strategies of cognitive-behavioral therapy. When I am not practicing as a therapist, I am spending time with my family. We love to stuff our faces with tasty food and find new adventures. I also dabble in wedding photography as a creative outlet. But generally, you will find me advocating for women struggling with infertility and all the experiences it brings. I can't wait to work with you!
VirtualAvailable
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$200/session

Authentic
Solution oriented
Warm

Specialties

Family Conflict
Anxiety
Depression
+10
Hi! I'm a LCMHCS, LPCS, LCAS, CCS based in North Carolina and practicing in NC, SC, GA, TX, AZ, MA, ME, RI, NH and US VI. I received my Doctorate in Counseling Psychology from Argosy University and two Masters from Webster University in Counseling and Health Administration. I have been practicing for over 20 years and enjoy working with a diverse population of people. I have several areas of expertise and enjoy using them to support my clients in their overall life goals and plans for success.
VirtualAvailable
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$150/session

Authentic
Warm
Empowering

Specialties

Family Conflict
Anxiety
Trauma and PTSD
+10
Many of my clients are women and teen girls (12 and up) who are high-functioning on the outside but feel exhausted, anxious, or disconnected on the inside. You may be managing work, school, relationships, or caregiving while internally feeling overwhelmed, stuck in overthinking, or like you’re running on empty. If you’re someone who’s tried to “figure it out” on your own or learned coping skills in therapy before but still find yourself falling into the same patterns, you’re not alone. Many of the women I work with come in feeling frustrated that insight hasn’t translated into real change. In our work together, we focus on getting to the root of what’s keeping you stuck in cycles like burnout, over-functioning, people-pleasing, and difficulty setting boundaries. Instead of just managing symptoms, we work to understand and shift what’s driving them so the change actually lasts. A key part of this process involves working with your nervous system—not just your thoughts. You may already understand what’s going on logically, but still feel it in your body and day-to-day life. We focus on helping your system feel safer, more grounded, and less reactive so you can begin to break those automatic cycles and respond in new ways. I integrate EMDR, somatic approaches, attachment-based therapy, TF-CBT, and experiential work to support both emotional processing and practical change. The goal is to help you move from insight into real, sustainable shifts in how you feel, relate, and show up in your life. Sessions are collaborative and paced so you don’t feel rushed or overwhelmed. The goal is to help you feel more grounded, emotionally steady, and connected to yourself and your relationships. I also offer trauma intensives for self-pay clients who want deeper, focused work in a shorter period of time.
VirtualAvailable
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$165/session

Authentic
Warm
Empowering

Specialties

Family Conflict
Anxiety
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
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Often rebooked

$110/session

Authentic
Warm
Solution oriented

Specialties

Family Conflict
Anxiety
Insomnia/Sleep Issues
+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
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$175/session

Empowering
Authentic
Warm

Specialties

Family Conflict
Anxiety
Depression
+4
Welcome! I am Quarda- Licensed Clinical Social Worker, professional listener, and occasional over-user of sticky notes. I help people untangle the messy parts of life, whether it's anxiety, relationship hiccups, burnout, or just that nagging feeling that something's "off". My style is supportive, down- to-earth, and sprinkled with humor-- because sometimes laughter really is the best medicine (right after actual therapy of course). I use evidence -based techniques and empathy to assist you in making sense of your story and editing it as you may, build resilience, and move forward with purpose. Therapy doesn't have to be stiff or scary-- and if you're ready to do the work (and maybe laugh a little along the way), I'm here for it.
VirtualAvailable
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$110/session

Solution oriented
Authentic
Empowering

Specialties

Family Conflict
Anxiety
Depression
+9
Hello, I'm Amanda. For over 20 years I've walked alongside people through every kind of mental health journey—from crisis moments in psychiatric hospitals to steady, hopeful growth in outpatient settings. My favorite thing is helping adults rediscover their strength, heal old wounds, and build lives that feel lighter and more joyful. I bring a calm, creative, down-to-earth energy to every conversation. I'm also a mom, grandma, and wife—balancing real life just like you do. Those experiences help me truly connect with people from every background and walk of life.
VirtualAvailable
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$120/session

Authentic
Empowering
Warm

Specialties

Family Conflict
Anxiety
Depression
+10
​ Do you struggle with feeling bad about yourself, developing and /or maintaining healthy relationships with others? Do you feel down, depressed, feeling you let yourself or others down? Do you experience feelings of anxiety, stress, or trauma? Are these concerns impacting you at home, work, or other places? Seeking therapy can be scary, however, you have made the right decision. I believe individuals are the "experts on themselves" and possess the ability to make the desired positive change in their lives. In the session, we will utilize a Person Center Approach consisting of meeting the individual were they are, actively listening, providing support, encouragement, and validation, as well as utilizing Evidence -Based Treatment Modalities ( such Cognitive Behavioral Therapy, Solution Focused Based Therapy, Motivational Interviewing, Mindfulness, Person Centered Approach, and Psychoeducation) Supportive Therapy, Stress Management, and Anger Management. Together, we will work collaboratively to treat the whole person and empower the person to find their way forward.
VirtualAvailable
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$125/session

Authentic
Warm
Empowering

Specialties

Family Conflict
Anxiety
Trauma and PTSD
+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
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$100/session

Warm
Authentic
Humorous

Specialties

Family Conflict
Anxiety
Child or Adolescent
+9
Welcome! I am licensed to provide therapy in the states of North Carolina and Florida. I have 6+ years experience as a therapist and 10+ years experience working in the mental health field. I specialize in Cognitive Behavioral Therapy, EMDR, and Mindfulness-Based strategies. My approach to therapy is warm and collaborative. My goal is to support each client in easing anxiety, quieting self-doubt, and building a more grounded and compassionate relationship with themselves. Currently, services are only being offered online via a HIPAA compliant Telehealth platform.
VirtualAvailable
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$135/session

Warm
Authentic
Solution oriented

Specialties

Family Conflict
Life Transitions
Trauma and PTSD
+9
I am a Licensed Marriage and Family Therapist who helps individuals heal, grow, and reconnect with themselves. My approach combines Internal Family Systems (IFS), EMDR, and Emotionally Focused Therapy (EFT) to address the roots of distress and promote lasting change. I provide culturally sensitive, experiential therapy that honors your identity, values, and lived experiences. Whether we are reprocessing painful memories, exploring parts of yourself, or engaging in present-moment experiences, I create a compassionate and collaborative space where you feel understood, supported, and empowered to move forward.
VirtualAvailable
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$100/session

Authentic
Solution oriented
Warm

Specialties

Family Conflict
Couples Counseling
Grief
+10
Hello, I am a Licensed Marriage and Family Therapist. I am Licensed in the State of Tennessee and North Carolina. I have been practicing as a counselor for the past 4 years however I have been providing counseling services as a Military Chaplain for 20 years and have retired from the Military after over 30 years of service. I see individuals, couples, and families from all walks of life going through many difficult situations. I have walked with them through times of grief, anxiety, loss, separation, suicidal thoughts, etc. I have seen how choosing the right therapist can help a person get through, from the person's perspective, some of life’s hardest times.
VirtualAvailable
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$130/session

Warm
Authentic
Open-minded

Specialties

Family Conflict
Anxiety
Depression
+10
Hey! I’m Jodeci, a Licensed Clinical Mental Health Counselor based in North Carolina, South Carolina, and Connecticut. I received my Master’s degree in Clinical Mental Health Counseling from the University of Saint Joseph in Connecticut and have spent the past 8 years working with children, teens, adults, and families in a variety of clinical settings. My experience in outpatient, intensive in-home, and telehealth services has allowed me to meet clients from many different walks of life and support them through both everyday stressors and more complex challenges.
VirtualAvailable
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$100/session

Authentic
Direct
Humorous

Specialties

Family Conflict
Anxiety
Depression
+5
We all need a space to battle our frustrations, stressors, and anxieties. We all have our 'mess.' Don't let your mess control your life. I create a supportive environment where you can explore challenges and work toward the changes you want to see. A dedicated clinical therapist/social worker with experience across various age groups. Utilizing Cognitive Behavioral Therapy (CBT), solution-focused techniques, and a strengths-based approach, I empower clients to navigate challenges, build resilience, and achieve personal growth. Passionate about fostering a supportive and collaborative therapeutic environment tailored to each individual's needs.
VirtualAvailable
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$250/session

Solution oriented
Authentic
Direct

Specialties

Family Conflict
Anxiety
Child or Adolescent
+10
Hi! I'm a Licensed Clinical Mental Health Counselor (LCMHC) based in North Carolina. I received my Masters from Madonna University and my Doctoral degree from Oakland University. I have been in practice for over 22 years. I am who people of all ages consult with when they are struggling with embodying their true and best self. Teaming up with me has helped many people get "unstuck and out of the funk" ultimately moving towards their unique version of living their best life.
VirtualAvailable
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$150/session

Warm
Authentic
Empowering

Specialties

Family Conflict
Grief
Women's Issues
+10
AVAILABLE EVENINGS & WEEKENDS Now accepting clients with late evening and weekend availability. As we step into a new year, many people find themselves reflecting on what they want to release, restore, and rebuild in their lives. If you are feeling ready for meaningful change—but unsure where to begin—you don’t have to do it alone. I am a Licensed Professional Counselor in North Carolina with 21 years of experience supporting individuals and families through life’s challenges. I specialize in helping clients manage stress and anxiety, navigate relationship challenges, work through family conflict, and strengthen motivation, self-esteem, and confidence. My therapeutic approach is compassionate, collaborative, and grounded in creating a safe, non-judgmental space where you can openly explore your thoughts, emotions, and lived experiences. Together, we work to identify patterns, develop healthier coping strategies, and build the clarity and confidence needed to move forward with intention. The beginning of a new year often brings a desire for alignment, healing, and growth. Choosing to invest in yourself—your emotional well-being, your relationships, and your future—takes courage. Whether you are feeling overwhelmed, stuck, or simply ready to prioritize yourself in a new way, therapy can be a powerful place to start. I am committed to walking alongside you as you work toward a more balanced, fulfilling, and authentic life—at a pace that honors your needs and your schedule. Late evening and weekend appointments available to support busy professionals, parents, and individuals seeking flexible care.
VirtualAvailable
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$150/session

Solution oriented
Warm
Empowering

Specialties

Family Conflict
Anxiety
Bipolar Disorder
+11
I am kind, non-judgmental, accepting with a very diverse background. My name is Fquira, pronounced "Keera. " That is literally, Kera, with an F, how unique is that? I have an appreciation for all people as unique individuals, with various types of life challenges. Im here for the challenge. Helping minds heal and lives transform has been a true reward of doing what I do in therapy. I am here to help you.
VirtualAvailable
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$50/session

Empowering
Warm
Authentic

Specialties

Family Conflict
Chronic Illness
Grief
+6
I have been practicing Pastoral Care & Counseling for over 20 years. I am a board-certified chaplain and spiritually integrated psychotherapist through the Association Clinical Pastoral Education and a Licensed Clinical Mental Health Counselor. I have experience in providing counseling and assessment services to children, adolescents, adults, families in church, social service agencies, seniors/nursing homes and hospital/ hospice healthcare settings.
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$150/session

Empowering
Warm
Authentic

Specialties

Family Conflict
Anxiety
Depression
+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!
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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. For example, your selected specialty, Family Conflict, is filtering therapists in North Carolina 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.