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 279 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: 8/16/2026

$90/session

Solution oriented
Authentic
Direct

Specialties

Life Transitions
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

$125/session

Empowering
Intelligent

Specialties

Life Transitions
Anxiety
Depression
I am a Licensed Professional Counselor (LPC) in Missouri and a licensed clinical mental health counselor (LCMHC) in North Carolina who specializes in supporting trauma survivors and individuals who are in life transitions to navigate emotional healing, identity transitions, and relationships. In my work, I use Cognitive Behavioral Therapy and Person-Centered Therapy to help you connect with your inner self, challenge negative self-talk, and reframe thoughts that keep you questioning yourself. I offer a warm, safe, and collaborative space where you are seen and heard.
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New to Grow

$150/session

Specialties

Life Transitions
Anxiety
Chronic Illness
+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.
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$120/session

Authentic
Warm
Solution oriented

Specialties

Life Transitions
ADHD
Anxiety
+8
I am a compassionate, collaborative therapist who supports individuals and couples in achieving their therapy goals using evidence-based approaches such as Cognitive Behavioral Therapy (CBT) and Emotion-Focused Therapy, along with integrative techniques tailored to each client’s needs. I focus on helping clients develop healthier coping skills, improve communication, strengthen emotional awareness, establish balanced routines, and cultivate more fulfilling relationships. My work also emphasizes fostering self-compassion, assertiveness, confidence, and positive perspectives on life circumstances. My approach is direct yet supportive, solution-focused, and grounded in practical tools and guidance, empowering clients to feel confident and supported throughout their therapeutic journey. I bring my genuine self, professional knowledge, and years of experience to create a trusting, collaborative relationship where both client and therapist can feel confident in working together.
VirtualAvailable
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New to Grow

$130/session

Specialties

Life Transitions
Anxiety
Spirituality
+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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New to Grow

$190/session

Specialties

Life Transitions
Anxiety
First Responders/Healthcare Workers
+10
I’m Jennifer Turner Taylor, a Licensed Clinical Mental Health Counselor and owner of The Rehab Concierge. I work with adults navigating anxiety, chronic illness, work-related stress, and major life transitions that may leave them feeling overwhelmed, uncertain, or disconnected from the life they want. My approach is warm, collaborative and practical, creating a supportive space where clients can better understand what they are experiencing, develop strategies that fit their everyday lives and rebuild confidence in themselves. At The Rehab Concierge, the goal is to help you feel calmer, more capable and prepared to move forward with greater clarity and intention.
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$100/session

Authentic
Warm
Empowering

Specialties

Life Transitions
Anxiety
Mood Disorders
+7
Hi there, I'm Schenika Silver, a Licensed Clinical Mental Health Counselor (LCMHC). I received my counseling degree from Liberty University and been in practice for seven years. I love working with people and assisting them in finding their purpose, healing from past hurts and wounds, and becoming their whole selves for themselves, their families, and their greater community. My clients often share that I am direct in a compassionate way, I provide insight and wisdom, and they feel heard in my presence. Counseling is not just a job for me, it's a part of my purpose.
VirtualAvailable
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Often rebooked

$115/session

Empowering
Authentic
Warm

Specialties

Life Transitions
Anxiety
Depression
+5
I’m a Licensed Counselor with several years of experience supporting late-teens, young adults, and adults experiencing anxiety, life transitions, interpersonal difficulties, and the lasting impact of past experiences. I work especially well with individuals who feel overwhelmed, stuck, or disconnected, even when they appear to be functioning well on the outside. Many of the people I work with are looking for greater clarity, confidence, and direction in their lives. My goal is to create a space where you can slow down, make sense of what you're carrying, and better understand yourself without judgment. Together, we'll explore the patterns, experiences, and relationships that have shaped you while working toward meaningful changes that help you feel more grounded, connected, and aligned in your daily life.
VirtualAvailable
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$150/session

Empowering
Authentic
Warm

Specialties

Life Transitions
Coping Skills
Women's Issues
+8
For over 13 years, I have dedicated my practice to supporting women as they navigate the many demands of modern life. I understand firsthand what it means to move between worlds. Growing up in Brooklyn as the daughter of immigrant parents, and now living in South Florida, I have been shaped by diverse cultures, communities, and perspectives. My love of travel has deepened that curiosity about the human experience. In the therapy room, this translates into a genuine ability to meet you where you are regardless of your background, your story, or how far from yourself you may feel right now.
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$120/session

Warm
Authentic
Open-minded

Specialties

Life Transitions
Anxiety
Mood Disorders
+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
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New to Grow

$150/session

Specialties

Life Transitions
Anxiety
Women's Issues
Hello, and welcome! I'm a Licensed Clinical Mental Health Counselor (LCMHC) with six years of experience working with adults as they navigate life's challenges and transitions. I understand that reaching out for support can feel overwhelming, and my goal is to provide a safe, compassionate, and judgment-free space where you feel heard, valued, and empowered. I enjoy working with individuals who are experiencing life changes, whether it's starting a new career, navigating relationship changes, becoming a parent, or simply feeling stuck or uncertain about what's next. My approach is collaborative, person-centered, and tailored to your unique needs. I incorporate evidence-based approaches like Cognitive Behavioral Therapy (CBT) and Solution-Focused Brief Therapy (SFBT) to help you build practical coping skills, gain insight, and move toward your goals. For clients who request it, I also offer faith-based counseling by thoughtfully integrating spirituality into the therapeutic process. I believe therapy is a partnership, and I look forward to supporting you as you work toward healing, growth, and a more fulfilling life.
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New to Grow

$180/session

Authentic
Direct

Specialties

Life Transitions
Anxiety
Couples Counseling
+10
I’m Ayushi Acharya, a licensed therapist and founder of Rich Within Therapy. My practice supports individuals, teens, couples, and families navigating anxiety, depression, eating disorders, body image concerns, relationship stress, fertility challenges, postpartum transitions, and the weight of cultural or family expectations. My approach is warm, grounded, and collaborative. I help clients better understand their patterns, build emotional safety, strengthen relationships, and create lives that feel more connected, sustainable, and rich from within.
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Often rebooked

$110/session

Authentic
Warm
Solution oriented

Specialties

Life Transitions
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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Often rebooked

$100/session

Warm
Authentic
Humorous

Specialties

Life Transitions
Anxiety
Child or Adolescent
+9
Hi! I'm a Licensed Clinical Mental Health Counselor (LCMHC) and Licensed School Counselor. I received my Masters Degree from North Carolina A & T State University and have been practicing for 6 years. I have experience in both clinical and school settings. I help children, adolescents and young adults struggling with Anxiety, life transitions, relationships and coping with life's challenges.
VirtualAvailable
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$200/session

Warm
Authentic
Open-minded

Specialties

Life Transitions
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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$80/session

Warm
Solution oriented
Open-minded

Specialties

Life Transitions
Anxiety
Family Therapy
+10
Hi, I'm Debbie Howard, a Licensed Clinical Mental Health Counselor (LCMHC). Reaching out for support takes courage, and I would be honored to walk alongside you! I have 15 years experience helping individuals, families and youth work through challenges such as life transitions, stress, anxiety, depression, relationship issues, and parenting. I also specialize in helping children and teens build resilience, confidence, and coping skills that support lasting change at home and school. My approach is warm, client-centered, and collaborative. I believe therapy should feel empowering, supportive, and tailored to your unique needs and goals. I integrate a variety of evidence-based practices including Cognitive Behavior Therapy(CBT), Alternative Family CBT, Dialectical Behavioral Therapy (DBT), Acceptance & Commitment Therapy (ACT) , mindfulness, trauma-informed care, and solution focused therapy. Together, we'll focus on building self-awareness, resilience, and lasting positive change in a safe, nonjudgmental space.
VirtualAvailable
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$160/session

Authentic
Warm
Direct

Specialties

Life Transitions
Grief
Mood Disorders
+10
Trauma has haunted you for years. It’s left you with nightmares and flashbacks. It’s caused you to distrust others and push them away. It’s made you feel broken and hopeless. You’ve tried everything you can think of to shed the weight of the past. You’ve read the books, tried the life hacks… You may have even talked to a therapist. But now, you’re out of options. Nothing has helped you transition from being a survivor to someone who’s truly alive. And you’re all talked out. No matter how many times you tell your story, nothing changes. The search for relief is exhausting. This might be your last shot at getting help.
VirtualAvailable
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$150/session

Authentic
Warm
Empowering

Specialties

Life Transitions
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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$175/session

Authentic
Solution oriented
Direct

Specialties

Life Transitions
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

Empowering
Authentic
Warm

Specialties

Life Transitions
Anxiety
Peer Relationships
+4
I am a Licensed Clinical Mental Health Counselor and Christian therapist, prophetic voice,Mentor, and ministry leader called to help people heal, rebuild, and step fully into their God-given identity. I carry both clinical wisdom and spiritual discernment, which allows me to guide people beyond surface-level coping into deep emotional and spiritual restoration. I am a safe place for the strong ones—the pastors, ministry leaders, women of faith, and those who are rebuilding after life has tried to break them. My assignment is to help them confront what has wounded them, heal at the root, and rise again with clarity, boundaries, and renewed purpose. I am also a builder and reformer. I don’t just comfort people, I help them rebuild their lives, their identity, and their leadership from a healthier foundation. Through my therapy, teaching, and ministry, I create environments where people can be honest, go deeper, and experience transformation that impacts both their personal life and their calling. This is not just Therapist this is a transformational experience.
VirtualAvailable
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$175/session

Authentic
Warm
Direct

Specialties

Life Transitions
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.
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$150/session

Authentic
Empowering
Warm

Specialties

Life Transitions
Anxiety
Self Esteem
+7
Hi, I’m Raven Patten, LCSW. I work with adults navigating anxiety, stress, burnout, life transitions, relationship challenges, and self-esteem concerns. My approach is warm, collaborative, and practical. I believe therapy should be a space where you feel heard, supported, and challenged to grow. Together, we’ll explore patterns that may be keeping you stuck while developing realistic strategies that help you move toward the life you want to create.
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$135/session

Warm
Authentic
Solution oriented

Specialties

Life Transitions
Trauma and PTSD
Women's Issues
+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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$140/session

Warm
Authentic
Empowering

Specialties

Life Transitions
Anxiety
Depression
+5
Hi! I'm a Licensed Clinical Mental Health Counselor (LCMHC) based in North Carolina. I received my Masters from Gardner-Webb University and have been practicing for 10 years. I help young adults and children struggling with career/school stress as well as feeling stuck in a life. All the pressures we have today lead to melancholy and burnout. Lets work together to help you become the best version of yourself so you can feel peace and contentment.
VirtualAvailable
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Often rebooked

$100/session

Warm
Authentic
Solution oriented

Specialties

Life Transitions
Anxiety
Coping Skills
+8
My path to becoming a mental health provider has been deeply influenced by both my personal background and my professional experiences. Growing up, I was surrounded by the work of my mother, who was a social worker. I saw firsthand the impact she had on individuals and families, and it inspired me to pursue a similar career. I was always drawn to the idea of helping others navigate difficult circumstances and providing support during times of crisis or transition. Her work shaped my understanding of the value of compassion, empathy, and practical intervention in improving lives. As a licensed therapist, I specialize in helping individuals manage the emotional, psychological, and practical aspects of these life adjustments. I take a compassionate, client-centered approach to therapy, emphasizing empathy and understanding. My methods are tailored to each person’s unique experiences and challenges. Over time, we’ll work together to deepen your self-awareness, develop coping mechanisms, and create practical tools for managing the ups and downs of life. I provide a safe space where you can feel heard and supported as you explore your feelings and develop skills to move forward. I focus on helping you make meaningful shifts in how you think, feel, and act. If you’re ready to take the first step toward navigating life’s transitions with more ease and confidence, I’m here to help.
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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, Life Transitions, 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.