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 82 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

$75/session

Empowering
Authentic
Warm

Specialties

LGBTQ
Anger Management
Anxiety
+10
Do you struggle with anxiety, depression, bipolar disorder, PTSD, mood disorders, gender identity issues, relationship challenges, or any other mental health concerns? If so, you are not alone. I offer a diverse range of evidence-based therapies that have been scientifically proven to alleviate symptoms associated with mental health disorders. My therapeutic interventions include Person-Centered Therapy, Cognitive Behavioral Therapy, Dialectical Behavioral Therapy, Behavioral Therapy, and Solution-Focused Therapy. I empower those lacking motivation, encourage those who feel helpless and hopeless, and guide individuals who believe they have no purpose. I also teach coping skills to help navigate daily challenges. Let's start today on the path to regaining control of your life. I look forward to hearing from you.
VirtualAvailable
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$140/session

Empowering
Warm
Authentic

Specialties

LGBTQ
Anxiety
Personality Disorders
+10
Hi there, I'm Tonya Bunch. I am a Licensed Clinical Social Worker with 11 years experience serving the community. I help individuals with anxiety, depression, and PTSD to manage burnout, learn emotion regulation, and balance their everyday lives. Together we will work to identify what is working and what is not working for you to learn healthy coping skills. We will use a person-centered approach to balance your mind, body, spirit and environment. I love using strength-based, grounding techniques, mindfulness and solution-focused techniques to help you learn that you have the coping skills to manage your struggles. Whether you are seeking help for anxiety, depression, trauma or relationship issues, I am here to help. Seeking therapy is scary and taking the first step is the hardest. I am here to support you nonjudgmentally, no matter the issue. You are making the right choice. I give you the space and time to build a therapeutic relationship to reach your goals. You deserve a safe space to heal and grow. In our sessions together, I will meet you with compassion and use evidence-based techniques so you can overcome the hangups and habits that have been holding you back. Let's work together!
VirtualAvailable
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Often rebooked

$110/session

Authentic
Warm
Solution oriented

Specialties

LGBTQ
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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$200/session

Warm
Authentic
Open-minded

Specialties

LGBTQ
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.
Available
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$175/session

Authentic
Solution oriented
Direct

Specialties

LGBTQ
Anxiety
Coping Skills
+6
Hello, my name is Stephen Pleasant, and I'm a psychotherapist for men. Why therapy for men? Well, because sometimes a man just needs a pork shoulder to cry on. That being said, I will also work with women as well. It’s a recognized human tendency for men to get “stuck” in their lives and to end up “settling” for the status quo when deep down they know they are capable of a great deal more. Here’s the truth; You are never “stuck” with your present circumstances. The Game of Life is a psychological and spiritual journey and winning at this game requires you to change your play and learn to think differently and do things in a new way. I help men break out from being “stuck” in life, resigned to producing results that are disappointing to them and others. My goal is to see transformative progress in men’s confidence, clarity, and self-expression, so that they may gain the fuller personal and work life they thought was beyond them.
VirtualAvailable
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$175/session

Authentic
Warm
Direct

Specialties

LGBTQ
Anxiety
Coping Skills
+10
I have over 30 years experience working with clients in the areas of mental health, addiction, and crisis intervention in various healthcare settings. I have been offering therapy through telehealth since 2022 and find this works well for many clients. For the past 14 years I have also worked specifically with military veterans. I have a casual, "come-as-you-are" outlook and believe strongly in meeting clients where they are in their own therapy and life journey. I work from a non-judgmental and strengths based focus. I tend to be direct and forthright in offering feedback, and I am firmly grounded in accepting each individual's decisions about their own life and ways forward to reach their goals.
VirtualAvailable
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$135/session

Warm
Authentic
Solution oriented

Specialties

LGBTQ
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

Warm
Authentic
Humorous

Specialties

LGBTQ
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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$150/session

Empowering
Warm
Authentic

Specialties

LGBTQ
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!
VirtualAvailable
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$150/session

Authentic
Direct
Intelligent

Specialties

LGBTQ
ADHD
Anxiety
+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
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$90/session

Empowering
Intelligent
Open-minded

Specialties

LGBTQ
Anxiety
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
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$125/session

Authentic
Warm
Empowering

Specialties

LGBTQ
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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$150/session

Authentic
Warm
Empowering

Specialties

LGBTQ
Anxiety
Trauma and PTSD
+5
Hi Folx, my name is Daja and I’m a Licensed Clinical Social Worker (LCSW) with over 8 years in clinical practice. I began my career providing family therapy to children, adolescents and families in rural NC communities. From there, I transitioned to a large multi-state psychiatric and behavioral health outpatient practice where I served as both a psychotherapist and Regional Director for three years. After transitioning from that role, I worked in clinical care management with a large corporate insurance company, serving members with complex clinical care needs. As a therapist, I’ve focused my work on supporting folks better manage mental health conditions, cultivate greater joy in their lives and improve their relationships. I sincerely enjoy learning folks’ stories and assisting them as they navigate new and old life challenges/transitions.
VirtualAvailable
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$125/session

Authentic
Solution oriented
Warm

Specialties

LGBTQ
Coping Skills
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
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$250/session

Solution oriented
Authentic
Direct

Specialties

LGBTQ
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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$65/session

Warm
Authentic
Open-minded

Specialties

LGBTQ
ADHD
Anxiety
+5
I am a Licensed Clinical Mental Health Counselor with 18 years experience supporting clients in various transitions in their life. I have spent the first 13 years working specifically in grief and those who have had the death of a loved one. The skills learned as a grief counselor apply to many other areas in a persons life and we are constantly presented with change that can require a shift in perspective.
VirtualAvailable
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$135/session

Authentic
Humorous
Open-minded

Specialties

LGBTQ
Anxiety
Chronic Illness
+6
Welcome! If you are seeking a down to earth and relaxed therapist- you are in the right place! I specialize in creating a safe and affirming space for individuals within the LGBTQ+ communities- where I have lived experience, any individuals navigating chronic illness and caregiving, and folks impacted by hoarding behaviors. I understand how important it is to feel heard and validated, especially when dealing with sensitive topics such as anxiety, chronic disorganization, gender identity, transgender health, trauma, depression, boundary setting, communication skills, and more. I write letters of support for gender affirming care.
VirtualAvailable
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$70/session

Authentic
Solution oriented
Warm

Specialties

LGBTQ
Life Transitions
Self Esteem
+10
I have been a LCSW for 38 years, providing psychotherapy. I still enjoy seeing people better understanding themselves, and getting to the point where they see more of what they want in their life. Many clients have spoken of my authenticity, which allows them to be comfortable in themselves. I work to empower people so they can feel more capable in accomplishing their needs and goals.
VirtualAvailable
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$180/session

Warm
Authentic
Empowering

Specialties

LGBTQ
Anxiety
Depression
Hi there, my name is Kristina Mills-Gregory, and I am a licensed clinical mental health counselor in North Carolina, Oregon, Vermont, Virginia, and Florida. I have been providing therapy for over 15 years. I have a Masters in Counseling from Campbell University, and a BA in Psychology and Communication Studies from University of North Carolina in Chapel Hill. Prior to becoming a therapist, I started my career as a school counselor in public schools. I have also worked in community mental health, providing a wide range of services. My passion is helping others achieve their goals, and that is why I take a partnership approach to therapy. We will work together to ensure that you are moving forward in your progress. I use a wide variety of techniques that are specific to the individual, based on your needs. These include Cognitive Behavioral Therapy, Motivational Interviewing, Solution Focus Technique, and Person Centered. I work to ensure that you feel safe and secure, by providing a space free from judgment.
VirtualAvailable
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$125/session

Authentic
Warm
Solution oriented

Specialties

LGBTQ
Anxiety
Coping Skills
+8
Call me Ben! I've been in private practice for 5 years and the mental health field at-large for close to a decade. I'm a big advocate for mindfulness (and ACT) and how it can be used alongside and incorporated into the therapeutic relationship to make tremendous strides in addressing one's mental health. I live in Asheville, North Carolina with my wife and our two cats. I love to go hiking and kayaking, I own a record store where I also work, and love a good gaming session with my friends.
VirtualAvailable
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$145/session

Warm
Empowering
Authentic

Specialties

LGBTQ
Grief
Life Transitions
+7
Hello there, my name is Joy. I think it is wonderful that you have decided to try therapy. Deciding to come to therapy is a big decision and takes courage. My passion is for individual psychotherapy. People come to work with me on issues such as depression, anxiety, grief/loss, life transitions and relationship concerns. I have expertise in each of these problems and feel that it is an honor to be invited to accompany my patients on this part of their journey. I am passionate about social justice, my work and making the world a better place. I am an anti-racist, anti-sexist, and LGBTQIA+ affirming clinician.
VirtualAvailable
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$100/session

Authentic
Open-minded
Solution oriented

Specialties

LGBTQ
Anxiety
Depression
+7
I am a Licensed Mental Health Counselor and a National Certified Counselor with over 15 years of experience providing therapeutic services to individuals and families. I am dedicated to the field of psychotherapy and committed to the client/therapist relationship. I have a Masters Degree in Clinical Mental Health Counseling from Palo Alto University, CA. As a therapist, I am non-judgmental, empathetic and eager to see you become your best self. I am open minded and value the art of listening. I believe in the power of gained insight and self awareness. I trust that you can succeed in whatever it is you set your mind to. As a therapist and client team- We got this!
VirtualAvailable
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$70/session

Warm
Empowering
Authentic

Specialties

LGBTQ
Anger Management
Anxiety
+10
My goal is to assist you in developing your vision and journey in becoming your best and desired self. I am person centered and enjoy applying creative strategies in my practice; such as the use of art, music-videos, narrative mediums and activities. I believe that everyone is capable of change. I have extensive experience with working with adolescents, adults, and families. I am an active supporter of persons and groups of varied cultural backgrounds and individuals in the LGBTQ+ community.
VirtualAvailable
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$130/session

Authentic
Solution oriented
Warm

Specialties

LGBTQ
Depression
ADHD
+5
Hi! I'm a Licensed Clinical Mental Health Counsellor (LCMHC) currently serving both North and South Carolina. I have utilized my Masters of Counseling in practice for 8 years. I've spent over 12 years as a Protective Services Social Worker and in that time I had the privilege to serve many people in many walks of life. That experience has given me a unique talent for connecting with people. I enjoy assisting older and young adults struggling with life, relationship and career stress, and others just finding it difficult to become the best versions of themselves.
VirtualAvailable
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New to Grow

$150/session

Specialties

LGBTQ
ADHD
Life Transitions
+5
I am a clinician who leads with empathy, authenticity, and emotional safety. My approach combines evidence-based strategies, such as CBT, with a humanistic and compassionate style that helps clients feel genuinely seen, supported, and empowered throughout the therapeutic process. I create an inclusive, culturally responsive, and LGBTQ+ affirming space where teens and adults can explore anxiety, burnout, identity-related concerns, life transitions, and emotional overwhelm without fear of judgment.
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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, LGBTQ, 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.