Therapists that accept Cash Pay in Tennessee

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 263 verified therapists in Tennessee who accept cash pay, you can explore therapeutic approaches such as cognitive behavioral therapy, solution-focused therapy, and supportive counseling to address a range of concerns, including anxiety, depression, and ADHD. Each Grow Therapy-verified therapist that has a cash pay option listed below is currently welcoming new clients and has availability soon, offering you a straightforward path to compassionate, accessible care on your terms.

Availability updated: 8/6/2026

New to Grow

$150/session

Warm
Authentic
Humorous

Specialties

Anxiety
LGBTQ
Life Transitions
+8
Let’s be real—life gets messy, and sometimes Googling your problems just isn’t cutting it anymore. I work with individuals 15 and up, navigating anxiety, stress, life transitions, or that constant “what am I doing with my life?” loop. I earned my BSW in 2013 from Prairie View A&M University and my MSW in 2016 from Our Lady of the Lake University. I hold an LCSW in TX, MN, ND and TN, and have over 8 years of experience supporting individuals and families from all walks of life. I’m passionate about working with people of color, and I aim to create a supportive, affirming space where you feel seen and respected. If you’re ready to stop spinning your wheels, your path Back to Life starts here!
Available

$100/session

Warm
Authentic
Open-minded

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+9
Hi! I’m Macy! I’m a warm, down-to-earth therapist from East Tennessee who believes you don’t have to navigate life’s challenges alone. I strive to create a supportive space where you feel heard, accepted, and truly understood. Together, we’ll work at your pace to build coping skills, explore patterns, and process difficult experiences. As an EMDR-trained therapist, I help clients heal from trauma and painful experiences while supporting growth, self-discovery, and meaningful change.
Available

$95/session

Open-minded
Authentic
Humorous

Specialties

ADHD
Anxiety
Depression
+10
Are you stuck? Struggling with big feelings? Trouble focusing and staying organized? Just need someone who is not connected to you in any other way to talk with and bounce things off of? I can help! The journey of a thousand miles begins with the first step. It is often difficult to begin the journey of therapy, and I am glad you are considering it. Most people come to therapy hoping to try and fix something in their life that does not seem to be working so well. I will work with you to try and discover what is going on and how we can work together to help you be the best self you can be. I believe in focusing on building small, easy-to-learn coping skills and taking consistent baby steps towards your goals. My name is Jason Fox, and I am a Licensed Professional Counselor with a Mental Health Service Provider designation in Tennessee (LPC, MHSP). I have 19 years of experience in mental health. I practice primarily cognitive behavioral therapy. I focus on trying to teach people that we need to think and act better first in order to feel better. I have experience working in crisis and crisis supervision. I have seen a lot of different things over the years, and the most important thing to me as a therapist is to meet clients where they are and to have a positive working relationship with them to help them get to where they are going.
VirtualAvailable

New to Grow

$120/session

Specialties

Anxiety
Depression
Grief
I’ve faced life’s challenges firsthand, and I understand how heavy anxiety, grief, trauma, or major life transitions can feel. My goal as a therapist is to create a safe, compassionate space where you can be your authentic self while working toward real, lasting change. I believe therapy works best when clients feel both supported and empowered. ​ My approach is warm, authentic, and occasionally direct when needed, combining compassion, practical tools, and gentle guidance. I aim to help clients feel empowered to take the steps that matter most in their lives, while also feeling supported throughout the process. Therapy here isn’t about “fixing” you, it’s about helping you discover your own strength.
Available

$180/session

Authentic
Humorous
Intelligent

Specialties

Anxiety
Depression
Trauma and PTSD
+10
With over 20 years of experience, Edward Korn is a seasoned therapist committed to guiding individuals from all walks of life towards emotional well-being and resilience. He is a graduate of the top-ranked University of Michigan School of Social Work and has worked with all populations by telehealth for the past few years. Specializing in Cognitive Behavioral Therapy, Solution Focused Therapy, and Motivational Interviewing, he crafts personalized treatment plans to empower his clients to face life's challenges head-on. Choose Edward for a therapeutic journey designed to inspire growth, self-awareness, and lasting change.
VirtualAvailable

New to Grow

$100/session

Specialties

Anxiety
Coping Skills
Trauma and PTSD
+9
I am passionate about supporting individuals on their journey toward greater well-being and self-understanding. As a licensed clinical social worker (LCSW) in the state of Texas and Tennessee, I believe in creating a safe, compassionate space where you feel truly heard and understood. My goal is to partner with you, helping you find resilience and uncover strengths as we work together through life’s challenges. Every person’s journey is unique, and I’m committed to offering care that is as individual as you are. You know your life better than anyone, and my role is to walk alongside you, bringing tools, perspective, and genuine support as we work through whatever you're facing. I don't see myself as the expert in the room — you are.
Available

$140/session

Authentic
Warm
Empowering

Specialties

Anxiety
Trauma and PTSD
Women's Issues
+4
I’m a compassionate clinician specializing in women’s mental health, helping clients navigate trauma, grief, anxiety, and life transitions. I meet clients where they are, blending evidence-based approaches with a supportive, client-centered perspective. My goal is to help women process their experiences, build resilience, and reclaim their sense of self so they can thrive in their lives. In short, this reflects my approach and values.
VirtualAvailable

New to Grow

$100/session

Specialties

Anxiety
Bipolar Disorder
Depression
+10
Thank you for taking time to read my profile. Making the decision to start therapy takes courage and a desire to heal from past experiences or learn how to cope with mental health symptoms. I am a licensed clinical social worker which means I believe it is important to treat the whole person while treating for example, anxiety or depressive symptoms. Together we will process issues and form coping skills or plans to move forward. I am comfortable and effective working with people from diverse backgrounds and all walks of life. I have two adult children, owned restaurants for 16 years, and experience taking care of aging parents. My education and life experience directly contributes to my ability to work with clients from all ages, race, LGBTQIA, religious background, or mental health condition.
Available

New to Grow

$100/session

Specialties

Anxiety
Depression
Life Transitions
+3
I believe healing happens when you feel safe, understood, and empowered. I'm a Licensed Clinical Professional Counselor with over 14 years of experience helping adults navigate anxiety, depression, life transitions, relationship concerns, women's issues, infertility, and spiritual struggles. My approach is warm, collaborative, and holistic, blending evidence-based therapies like CBT, ACT, DBT, and mindfulness while honoring each client's values and goals. Whether you're feeling overwhelmed, stuck, or simply ready for change, I'll meet you with compassion and practical tools to help you move forward.
Available

$130/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Trauma and PTSD
+10
You’re used to handling a lot. Whether it’s your career, your relationships, or being the person others rely on, you’ve learned how to push through—even when it’s exhausting. But at some point, pushing through stops working. I work with adults who are navigating anxiety, burnout, trauma, and relationship patterns—especially when life looks “together” on the outside but feels overwhelming or unsustainable underneath. Many of my clients are thoughtful, capable, and self-aware, yet find themselves stuck in cycles like overthinking, people-pleasing, or feeling disconnected from themselves or others. My approach is trauma-informed, relational, and grounded in evidence-based practices, including Cognitive Behavioral Therapy, Dialectical Behavior Therapy, and attachment-based work. In our sessions, we’ll look at both the deeper patterns shaping your experiences and the practical strategies that help you feel better day-to-day. Clients often come to therapy wanting relief from constant stress or mental overload. Over time, they develop a clearer understanding of themselves, stronger boundaries, and the ability to respond to challenges with more focus and confidence. I’m active and engaged in the therapy process. I won’t just sit back and listen. I help you connect the dots, notice patterns in real time, and build tools that actually translate into your daily life. I bring 5 years of experience in community mental health, working with children, adolescents, and adults. Clients often describe me as calm, steady, and easy to talk to—while also helping them move forward in meaningful ways.
VirtualAvailable

New to Grow

$105/session

Specialties

Anxiety
Bipolar Disorder
Depression
+8
I"m Lori, and I have been a therapist for approximately 19 years. I have worked with a variety of clients over my career, and I enjoy watching clients emerge from depression, cope better with anxiety, or manage bipolar symptoms more effectively. I strive to build a good working relationship, so clients feel truly heard and can face challenges with increased support.
Available

Often rebooked

$120/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Women's Issues
+8
I am a licensed therapist with 30+ years of experience working with adults and couples navigating life challenges, relationship concerns, and personal growth. I believe therapy is most helpful when people feel respected, understood, and supported in exploring both difficulties and strengths. My goal is to provide a thoughtful, collaborative space where clients can gain insight, develop practical tools, and move toward meaningful and lasting change.
VirtualAvailable

Often rebooked

$100/session

Warm
Authentic
Empowering

Specialties

Anxiety
Depression
Trauma and PTSD
My name is Kelly Franklin and I am a Licensed Professional Counselor with a Mental Health Service Provider designation (LPC-MHSP) in Tennessee. I specialize in helping individuals who are experiencing trauma, PTSD, anxiety, depression, grief, and navigating significant life changes. I am passionate about providing a safe non judgmental space where you are seen and heard. Together we can outline the steps to reach your goals of healing and well being. It is such a wonderful journey!
VirtualAvailable

$140/session

Warm
Authentic
Intelligent

Specialties

ADHD
Anxiety
Depression
+9
I'm a therapist specializing in ADHD, anxiety, depression, relationship issues, medical trauma and chronic illness, as well as recovering from toxic or narcisstic relationships. I collaborate with clients to create an individualized plan of care using modalities to best fit their needs. My approach is compassionate, collaborative, and draws from evidence-based practices like ACT, DBT, attachment-based work, and Gottman therapy to help you better understand yourself, improve your relationships, and build practical tools for navigating life’s challenges. You don’t need to have everything figured out before starting, just a willingness to show up and explore what change could look like for you. I will help guide you with the rest.
Available

$130/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Grief
Self Esteem
+9
Madison is a seasoned therapist with over 12 years of experience dedicated to empowering women and mothers through their mental health journeys. Madison creates a safe and supportive environment where her clients can explore their feelings and build resilience. Using Cognitive Behavioral Therapy (CBT) as a foundational approach, Madison focuses on helping clients challenge negative thought patterns and develop healthier coping strategies. She is also Health at Every Size® (HAES) trained, promoting a holistic understanding of health that celebrates body diversity and encourages self-acceptance. Madison’s compassionate and client-centered approach has made her a trusted ally for many women navigating the complexities of motherhood, self-image, and mental health. She believes in the power of connection and is committed to helping her clients find their strength and voice in their healing journeys.
VirtualAvailable

$115/session

Warm
Authentic
Empowering

Specialties

Addiction
Anxiety
Depression
+10
Hi! I'm a Licensed Clinical Social Worker who is currently licensed in Arizona, Tennessee and South Dakota. I have worked with a variety of men, women, and adolescents over the last ten years. My intent is to always meet people exactly where they are at and help them overcome the challenges that life has given them. I truly believe that every person who I work with has a unique set of strengths, and by using those strengths the person has the ability within themselves to persevere.
VirtualAvailable

Often rebooked

$125/session

Authentic
Intelligent
Solution oriented

Specialties

Anxiety
Depression
Self Esteem
+10
I am a Licensed Professional Counselor, with 13 years of experience. My specialty is helping people live their best lives by overcoming unresolved trauma, self doubt, anxiety, depression, numbness, procrastination, or other blocks. I am a certified EMDR Therapist and trained in IFS. I combine these two powerful therapies to guide you through a healing process and help you achieve greater inner harmony and greater power over your life. I am eager to help you live your best life. Maybe you feel stuck. Maybe you are anxious more of the time than you want to be. Maybe you are trapped in the gray fog of depression. Maybe you're just numb. Together, we can explore what's happening inside you, and how you can be your truest Self more of the time, and be happy, productive, and at peace. The power of IFS (Internal Family Systems) and EMDR together has significantly shifted procrastination, anxiety, depression, relationship challenges, and much more for my clients. Join them! Make today the day you take the next step toward your best life! Schedule an appointment with me.
VirtualAvailable

$160/session

Humorous
Warm

Specialties

Anxiety
Postpartum
Trauma and PTSD
+8
I'm an LPC (TN), and LMHC (FL) with over 20 years of experience in helping individuals navigate trauma, anxiety, phobias, life transitions, perinatal experiences, and performance-related pressure and stress (including athletes and high achievers). My approach is warm, collaborative, and grounded in the belief that meaningful healing, emotional shifts, and lasting change can happen more gently, and often more quickly, than people expect. My intention is to help people move beyond symptom relief and toward greater clarity, connection, and a more fulfilling way of living.
Available

$80/session

Authentic
Warm
Humorous

Specialties

ADHD
Anxiety
Life Transitions
+6
Therapy is a work of my heart. I have over 25 years of experience as a therapist and consider it a privilege for individuals to share their stories, often including their pain as well. I value individuals who take the courageous step of coming to therapy for the first time or starting anew with me. I am curious by nature and provide space for people to share their stories; I may also ask questions to delve a little deeper. I value humor in the healing process. When it's appropriate, I may say something to lighten the mood, as therapy can be difficult at times. My faith shapes my life and gives me hope, and I hold hope for every person I meet as I believe they are valuable, resilient, and capable of change.
VirtualAvailable

$95/session

Direct
Warm
Empowering

Specialties

Anxiety
Depression
Self Esteem
+9
Hello, and welcome. Reaching out for therapy can feel like a big step, especially if you’ve been carrying a lot on your own. Many people come to therapy feeling overwhelmed, unsure where to start, or simply wanting things to feel more manageable again. My goal is to offer a space where you can slow down, feel understood, and begin making sense of what you’re experiencing. I take a collaborative, supportive approach to therapy and work to meet you where you are. Together, we focus on understanding patterns, building emotional awareness, and developing practical tools that help you feel more grounded and confident in your daily life. Therapy with me is not about judgment or pressure—it’s about clarity, growth, and meaningful change at a pace that feels right for you.
VirtualAvailable

$150/session

Authentic
Warm
Humorous

Specialties

Anxiety
Depression
LGBTQ
+5
Hi, I’m Rachel! I’m a therapist who is here to help you take control of your own life, with empathetic and straightforward guidance. You have the answer inside you; sometimes it just takes someone helping move away the clutter. We will work together to uncover old patterns and beliefs that have been holding you back from being your true self.
VirtualAvailable

$125/session

Direct
Solution oriented
Warm

Specialties

High Clinical Acuity
Perinatal Mental Health
Personality Disorders
+10
My name is Ashley Davis, and I am a Licensed Professional Counselor and Approved Clinical Supervisor in Tennessee. I also hold a doctorate of Counselor Education and Supervision and teach in a counseling program. I have worked in the mental health field for eight years in a variety of settings including residential, outpatient, and crisis services. In addition to providing Dialectical Behavioral Therapy, I also provide Eye Movement Desensitization and Reprocessing (EMDR) therapy.
VirtualAvailable

$120/session

Warm
Solution oriented
Authentic

Specialties

Depression
Grief
Trauma and PTSD
+10
Hello and welcome. It means a lot that you’ve taken this step. Every person carries such a unique story shaped by resilience and strength. Sometimes, those stories can feel heavy or overwhelming, and we may find ourselves needing a space to breathe and process. My hope is to create a safe and supportive environment where you feel heard and empowered to heal. In our work together, I take a compassionate and collaborative approach that meets you where you are, supporting you in working through current challenges while building toward the future that is possible. I typically practice in the Solution-Focused umbrella, incorporating Narrative Therapy into my work. Solution-Focused Therapy helps you identify your strengths and move toward your goals; while Narrative Therapy encourages exploring one’s personal story from the past, separating the individual from their problems, and envisioning how you want your story to continue. My experience consists of helping clients with family conflicts, trauma and abuse, parenting issues, mood disorders, anxiety, and depression. I have taught parenting classes for many years, which allowed me to help parents strengthen their relationships with their children and build more confident, nurturing connections. These experiences have deepened my understanding of the challenges families and individuals face, and reinforced my commitment to supporting each person’s unique journey toward healing and growth. I have over 20 years of experience in the mental health field, with 13 of those years dedicated to being a therapist. I am licensed to provide therapy to individuals across the state of Tennessee. It’s truly an honor to support people as they reconnect with themselves, rediscover hope, and move toward healing. Supporting others through life’s challenges is deeply fulfilling work, and I am grateful for the opportunity to be present with you on your journey.
VirtualAvailable

$99/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Self Esteem
Women's Issues
+4
Welcome! Feeling stuck? Exploring what it means to live authentically? A woman seeking to create deeper/improved connections in relationships or your marriage, a mother striving for balance, or someone navigating a specific challenge. If so, I’d love to help. I’m Jenny, a 44y/o Licensed Professional Counselor with over 15 years of experience. I grew up in Middle Tennessee, surrounded by animals and Faith. Parents owned veterinary practices, mom served as a youth director, instilling in me a love for animals and a strong Christian Faith. Married 21 years to a wonderfully supportive husband. Marriage can be challenging, but I believe it’s one of life’s most rewarding journeys when approached with unconditional love and commitment. Together, we’ve weathered highs and lows, and through it all, I’ve learned every challenge is just data and an opportunity for growth. Blessed with two intelligent and vibrant daughters who keep life interesting and continually teach me about resilience, perspective, and love. Since early teen, I’ve been “go-to” person for friends and family during struggles, which inspired my passion for counseling. Hold Bachelor’s in Psychology from UTK, and Master’s in Counseling and Human Development. I’ve worked in diverse mental health settings, including women’s prisons, crisis units, inpatient, outpatient, substance abuse, and private practice. These experiences have equipped me to work with a diverse range of clients and issues. Rest assured—nothing you share will shock me! I believe you are your own best counselor and know yourself best. My role is to guide you, provide reassurance, and equip you with tools to help you navigate life’s challenges with confidence and resilience. Together, we’ll create a safe and meaningful space to process your experiences, explore solutions, and rediscover your balance. Ready to embrace growth and find your balance? I’d be honored to support you on this journey!
VirtualAvailable

$75/session

Authentic
Direct
Empowering

Specialties

Addiction
Spirituality
Trauma and PTSD
+10
So, who am I; and what am I doing here, eh? Also, do you struggle to talk about yourself ? - 'cause I sure do. Anyways, let's see... Personnally, I identify as a neurodiverse, cis-female, middle-aged (yes, over 40yo), divorced, single mother of two human loves and one canine love who enjoys spending time outdoors, flow arts, music, and dancing and singing and laughing. Also, learning is my favorite - like, I'm a full-on brain geek, for realz. Professionally, I hold licensure through the State of Tennessee Department of Health as a Professional Counselor and Mental Health Service Provider since March 2025 which allows me to independently provide Clinical Mental Health Counseling services - including assessment, evaluation, diagnosis, and treatment of Mental and Behavioral Health issues, conditions, disorders, and illnesses. Proper and thorough clinical assessment, ethical practice, trauma-informed engagement and care, destigmatization, and advocacy are consistent characteristics of my approach toward Client care. As a therapist, I believe in building therapeutic relationships founded on honesty, transparency, respect, patience, alliance, and safety. My style of counseling is raw, uncut, and straight-forward while remaining sensitive, respectful, and culturally aware in offering constructive, caring, well-informed and growth-oriented feedback, guidance, and support. Ultimately, we're in this together. Experience: 15 years in the Restaurant/Bar Service Industry (technically not clinical experience; howerever, theoretically... iykyk :)) 5 years in Runaway and Homeless Youth (RHY) programming serving homeless and at-risk adolescents and young adults toward prevention and intervention of human trafficking 6 years in clinical treatment of Co-Occurring Mental Health Disorders and Substance Use Disorders (yes, I have history) serving Adults from an Integrated Therapy approach primarily through Intensive Outpatient Programs providing group and individual therapy The door to your best self is open; all you have to do is walk through it. See you inside.
Available
Frequently asked questions

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

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.