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 258 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: 8/15/2026

New to Grow

$100/session

Specialties

Coping Skills
Grief
Life Transitions
+2
Hello, my name is Stacy and I'm a Licensed Clinical Social Worker (LCSW) . I have worked in hospice, Palliative care, Emergency rooms, and private setting. My goal is to create a safe, supportive and compassionate space. Life can have its ups and downs and I strive to help you navigate this season in your life. There can be times when it feels hard to express what you are thinking and feeling to others and I strive to be that outlet for you. My focus is to help you set goals for therapy and provide you with the tools to achieve them.
Available

New to Grow

$150/session

Specialties

First Responders/Healthcare Workers
Men's Issues
Trauma and PTSD
+10
I’ve been a counselor for 3 years and have over 12 years of experience helping individuals, couples, and families navigate trauma, anxiety, addiction, depression, ADHD, behavioral challenges, and personality disorders. I offer a supportive, practical, and collaborative approach focused on healing, growth, and lasting change. I communicate in a calm, respectful, and supportive way. Sessions are nonjudgmental and collaborative, allowing space for honesty, curiosity, and growth. I aim to create a safe environment where clients feel heard, understood, and encouraged. Goals are set collaboratively and guided by each client’s needs and priorities. I help turn concerns into concrete action steps, track progress over time, and adjust strategies to support steady, realistic growth. I take a trauma-informed, collaborative approach that prioritizes safety, understanding, and empowerment. Therapy focuses on practical tools, emotional regulation, and insight, helping clients move forward with greater confidence and resilience.
Available

$150/session

Warm
Empowering
Authentic

Specialties

Sexual Abuse
Trauma and PTSD
Women's Issues
+10
I am a Licensed Mental Health Counselor, a Licensed Professional Counselor with MHSP designation, a Board Certified Dance Movement Therapist and also hold a certification in Laughter Yoga. I utilize an integrative therapeutic approach and theory, as well as draw from the Expressive Arts Therapies, mindfulness and somatic based practices. I have been told I am an open, grounded and empathetic listener, who helps others feel safe and comfortable, but also, when appropriate, has a good sense of humor. No matter what your unique story or circumstance, let’s work together to write your next life chapter. To live a healthy and balanced life, inside and out, with more joy, self-awareness, self- love, possibilities, and inner peace. I look forward to meeting you.
VirtualAvailable

New to Grow

$120/session

Specialties

Anxiety
Depression
Family Therapy
+10
Basically, I use Cognitive Behavioral Therapy. I have a background of working with individuals but due to my family therapy training I do want to know your family situation and ways that work and don't work for you. I have been working with Medicare clients and SPMI (Severe and Persistent Mental Illness). Many time I have found that clients who usually manage their lives well can sometimes feel overwhelmed by changes in their lives. I truly want to locate and focus on strengths, but want to be supportive of areas where support is needed. Life can be difficult and learning coping skills can help us navigate both the highs and lows that life brings us. I am friendly and positive. I want to help you feel better. If there are traumas, I will listen. 🛷
Available

$140/session

Solution oriented
Intelligent
Warm

Specialties

Anxiety
Couples Counseling
Depression
+8
Hi! I am a psychotherapist (LCSW) with 11 years of practice in the clinical field and over 30 years of experience in the Christian approach. I graduated from the University of Hawaii but serve both Hawaii and Tennessee. I do my best work with clients who are seeking an amalgamation of the clinical and Christian approaches specifically in couples work and infidelity recovery. I have also seen some remarkeable transformations using experiential therapies for more trauma-related presentations.
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

$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

$100/session

Specialties

Anxiety
Depression
Health/Medical Issues
+9
I am a Licensed Clinical Social Worker with extensive experience helping adolescents, adults, and families navigate anxiety, depression, trauma, grief, and life transitions. My approach is warm, supportive, and collaborative. I believe therapy works best when clients feel safe, heard, and empowered. Using trauma-informed care, Cognitive Behavioral Therapy, and Motivational Interviewing, I help clients build on their strengths, develop healthy coping skills, and create meaningful, lasting change. Whether you're facing a difficult season of life or seeking personal growth, I am committed to supporting you on your journey toward healing and wellness.
Available

New to Grow

$125/session

Specialties

Anxiety
Crisis Intervention
Grief
+7
My name is James Smith. I am a graduate of Florida State University College of Social Work. I lived in FL nearly all of my life, until in 2024 I had a chance to live closer to family in TN. My primary practice has been in the medical field, especially working with seniors with dementia and hospice. I currently work with dialysis patients. I am currently licensed in FL and TN and open for new patients. I believe that most individuals needing therapy already have the answers that they seek and need a trusted individual to listen to their concerns. When problems arise, I help you to navigate through your ideas, provide feedback and help you find success. I enjoy spending time with my family, training for and completing triathlons and working for better handwriting tools for lefties.
Available

New to Grow

$150/session

Specialties

Anger Management
Anxiety
Trauma and PTSD
+10
I’m a Licensed Clinical Social Worker who believes therapy should feel safe, human, and a little less intimidating. I earned my MSW from the University of Memphis and have worked in a variety of settings, including clinics, schools, and residential programs. I offer a warm, down-to-earth space where you can talk openly, at your own pace, without judgment. Together, we’ll focus on what matters most to you and build practical tools for real life.
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

$120/session

Empowering
Intelligent
Solution oriented

Specialties

Anxiety
Depression
Life Transitions
+6
You appear calm and put together on the outside, internally you feel overwhelmed and exhausted. You've been doing everything you can to keep things together so no one notices how much you're struggling, but lately it feels harder to manage. You're doing your best to hold on, yet you worry that one more stressful situation could push you past your limit. You continue to smile, show up, and tell yourself you're okay, even when deep down you know you're not. Because you look “fine” to others, people may not realize how heavy things have become for you. You often minimize your own pain by comparing yourself to others, convincing yourself that you should just be grateful because “others have it worse.” As a result, prioritizing your emotional well-being can feel selfish or undeserved. If this describes you, and you are ready to stop overthinking, you are no longer willing to put your own needs on the backburner, you are ready to silence the inner critic, work on your personal and/or professional relationships, and you want to stop just going through the motions, we should talk. I have the credentials that every other therapist has earned, representing the commitment of a competent practitioner. However, its important to note that my caring coupled with my competence makes me who I am. I am a person of faith, wife (retired military veteran) mother, grandmother, and dog mom. I've navigated many seasons of life overcoming grief and loss, divorce, careers, the sandwich generation (caring for aging parents and small children), financial challenges, and blending a family. All the makings for stress, anxiety, and depression. During these and other dark seasons, it was the professional help holding my hand through the darkness until I could see the light again. Let's walk together to the light.
Available

$150/session

Warm
Authentic
Empowering

Specialties

Anxiety
Perinatal Mental Health
Trauma and PTSD
+6
Hi, I’m Amy. I live in Missouri with my husband, our sweet dog, and two very sassy cats who keep life lively. Being both a military spouse and a Licensed Clinical Social Worker has shaped who I am, both personally and professionally. Over the years, I’ve had the privilege of supporting individuals and families through life’s many transitions, challenges, and seasons of growth. I specialize in anxiety, trauma, and perinatal mental health. My journey into social work began with a bachelor’s degree from the University of Alaska, followed by a master’s from the University of Maine. For more than 20 years, I’ve been walking alongside people as they navigate anxiety, trauma, infertility, grief, and the everyday pressures of life. What I love most about this work is creating a safe, supportive space where people can feel heard, understood, and empowered to reconnect with themselves. At the heart of my approach is the belief that healing is possible—and that resilience can grow even in the most difficult circumstances. Whether we’re working through painful past experiences or exploring new ways to cope with stress, my goal is to help you find hope, balance, and a deeper sense of self. If you’d like to know more about me and the work I do, you can visit: https://kerstenlcsw.com/
VirtualAvailable

$150/session

Authentic
Intelligent
Open-minded

Specialties

Addiction
Anxiety
Life Transitions
Dr. Jennifer Dozier, has her PhD in psychology and has extensive experience helping individuals, families, and children navigate life's challenges and achieve meaningful personal growth. Since 1995, she has worked extensively in the mental health field. Dr. Dozier utilizes evidence-based approaches including Cognitive Behavioral Therapy (CBT) and Brainspotting to help clients address anxiety, depression, trauma, relationship concerns, life transitions, and behavioral challenges. She is committed to creating a compassionate, supportive, and goal-oriented therapeutic environment where clients can develop resilience, improve emotional well-being, and create lasting positive change. Her approach emphasizes collaboration, empowerment, and individualized care tailored to each client's unique needs and circumstances.
Available

$120/session

Solution oriented
Warm
Authentic

Specialties

Anxiety
Coping Skills
Depression
+8
Hello! I'm a Licensed Marriage and Family Therapist (LMFT) and a Licensed Independent Mental Health Practitioner (LIMHP) based in Tennessee. I am Licensed in the states of UT, NE, and TN. I received my Masters from Argosy University in Draper, UT and have been practicing for 15 years. I help Individuals struggling with anxiety, stress, depression, life changes, conflict in relationships and processing traumatic events in ones life.
VirtualAvailable

$175/session

Direct
Empowering
Warm

Specialties

Anxiety
Spirituality
Trauma and PTSD
I'm a Hispanic, cisgender woman with lots of experience working with children, adolescents, and adults dealing with trauma, anxiety, depression, generational trauma, domestic violence, career changes, life transitions, relationship issues, religious trauma. I have been in the social work field for over 20 years. Being a Social Worker is a great passion of mine. My focus is to help you heal from past experiences, life events, present situations. I describe the therapeutic relationship as if I'm on the passenger seat helping you maneuver this road in life.
VirtualAvailable

$100/session

Warm
Authentic
Open-minded

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+8
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

Often rebooked

$120/session

Authentic
Warm
Solution oriented

Specialties

Anxiety
Depression
Life Transitions
I’m a Licensed Clinical Social Worker with 15+ years of experience supporting individuals in their mental health journey. My work focuses primarily on helping adults navigate anxiety, depression, and life stressors. I often work with individuals experiencing burnout, major life transitions, relationship stress, work-related stress, and patterns of overthinking that can make daily life feel overwhelming. My goal is to provide a supportive, non-judgmental space where you can talk openly and begin making meaningful changes. I believe therapy should be collaborative and tailored to each person’s unique needs. Together, we will explore patterns, thoughts, and experiences that may be contributing to anxiety, stress, or low mood while also developing practical tools to help you cope more effectively. My approach is compassionate and grounded in evidence-based practices.
VirtualAvailable

$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

$95/session

Warm
Direct
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

$120/session

Authentic
Warm
Humorous

Specialties

LGBTQ
Trauma and PTSD
Women's Issues
Greetings! I am a Licensed Clinical Social Worker (LCSW) based in Tennessee. The past 23 years I have worked in a variety of therapeutic roles in a variety of populations. I specialize in treating trauma and women's issues, but I don't exclusively see women. My job is to make you feel safe and comfortable when doing the work, and I am pretty good at it. Looking forward to getting to know you and walk along your recovery path together.
VirtualAvailable

$145/session

Warm
Empowering
Intelligent

Specialties

Anxiety
Life Transitions
Trauma and PTSD
+3
I received my Master's in Psychology from Pepperdine University and have specialized training in whole-body healing techniques like EMDR, Brainspotting, & Nutritional Psychology. My passion lies in empowering clients to develop adaptive skills and invite meaningful change into their lives. Together, we can explore new ways of being and break free from old patterns that may be holding you back. .
VirtualAvailable

$100/session

Solution oriented
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+10
At the heart of my work is a core philosophy: no one knows you better than you. My role is to help you find clarity, awareness, reconnect with your own wisdom, and take steps toward meaningful, healing, and lasting change. My client-centered approach blends experiential, trauma-informed, neurological perspectives alongside philosophical wisdom traditions that honor natural flow, personal responsibility, compassionate awareness, and mindful presence. I believe therapy thrives when it’s collaborative and stigma-free. Each session is shaped to your needs, not a template. Alongside traditional counseling, I bring Ketamine-assisted therapy and Brainspotting into the session, offering meaningful tools for exploration and lasting change.
Available

$150/session

Warm
Authentic
Empowering

Specialties

Anxiety
Child or Adolescent
Depression
Are you struggling, feeling physically or emotionally drained? I am here to meet you where you are to provide a safe space to listen and help you work through the stress, anxiety, and depression that are taking away from allowing you to living the life you want to live. I have been practicing as a licensed clinician working for over ten years helping individuals and families from diverse backgrounds achieve their goals. I am happy to be here and look forward to meeting you.
VirtualAvailable

$135/session

Authentic
Warm
Empowering

Specialties

Coping Skills
First Responders/Healthcare Workers
Trauma and PTSD
+10
I am committed to providing quality mental health services for the entire family. The goal is to create a safe and respectful space for the self-discovery of strengths that promote healing and wholeness in every area of life. I am a qualified mental health professional, as a licensed master's level clinician I have over twenty-seven years of experience working in social services with women, families within child welfare; I have eight years of private practice with a specialty of trauma, grief, and loss. I have committed my professional and personal life to work and care for at-risk populations, the emotionally challenged, and the displaced. I enjoy the service of empowering individuals to live productive; holistic lifestyles. - Allysa Hupko, MA, LSCSW, LCSW
VirtualAvailable
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.