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 253 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: 8/3/2026

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

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

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

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

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

$120/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

$100/session

Warm
Authentic
Open-minded

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+10
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

New to Grow

$150/session

Specialties

ADHD
Anxiety
Autism
+10
Reaching out for therapy takes courage, and my goal is to make the process feel approachable from the very first session. I'm a Licensed Professional Counselor with more than 14 years of experience helping adolescents and adults navigate ADHD, autism, anxiety, depression, trauma, relationship challenges, and major life transitions. I believe therapy works best when it feels like a genuine conversation built on trust, curiosity, and collaboration. Rather than simply listening or giving advice, I work alongside clients to better understand what's keeping them stuck while developing practical strategies that fit their lives. My approach integrates evidence-based therapies with compassion, humor when appropriate, and a focus on long-term growth.
Available

New to Grow

$100/session

Specialties

Anger Management
Anxiety
Child or Adolescent
+10
I am a counselor based out of Tennessee. Educationally: I have earned a Bachelor of Science in Psychology and Master of Arts in Professional Counseling. I currently hold both Licensure tiers of LPC and MHSP in the state of Tennessee. I am originally from Alabama but have lived and practiced in Tennessee for the last 15 + years. Throughout my career I have worked with clients and client families of all ages and a wide variety of backgrounds on a who have been dealing with a wide variety of issues. I pride myself on providing a supportive and welcoming environment that encourages collaboration with my clients as we work towards your specific goals. I feel that when done correctly therapy should empower the client and view my role as providing guidance and evidence-based interventions that respect the client's personal needs, goals and unique backgrounds.
Available

New to Grow

$100/session

Specialties

Life Transitions
Mood Disorders
Trauma and PTSD
You made it here, which means you've already taken one of the hardest steps toward prioritizing your mental health. Congratulations on investing in yourself! I am a Licensed Clinical Social Worker (LCSW) based in southern Kentucky. My journey began with a bachelor's degree in psychology, where I discovered my passion for helping others. That passion led me to earn my Master of Social Work and dedicate my career to supporting individuals through life's challenges.
Available

New to Grow

$75/session

Specialties

Mood Disorders
Substance Misuse
Trauma and PTSD
+9
I believe in the person-centered approach. I meet you where you are. I work across the life span, with my youngest patient being age 3 and my oldest patient being in their 80s. Each person is different and comes from a different experience, so I work from a holistic approach. Whether it's depression, anxiety, ADHD, Autism, OCD, trauma or some other issue, no one experiences symptoms the exact same way. Therefore, their treatment should not be a cookie cutter approach. Over my 15 years experience, I have been able to meet many people along the way through working in the school system, to inpatient facilities and outpatient services. I look foward to meeting you and working together to meet your needs.
Available

$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

$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

New to Grow

$145/session

Specialties

Anxiety
Coping Skills
Life Transitions
My career began by working with underprivileged families with children. My current focus is for adults who are overwhelmed by life in general. Those who are juggling work, children, partners, or/elder care. Life is complex. We all need a little support from time to time. If you are anxious, grieving, or depressed I will listen, empathized and help you improve your situation.
Available

New to Grow

$90/session

Specialties

Chronic Illness
Coping Skills
Life Transitions
+7
Hi, I’m Amy. I’m glad you’re here. I know reaching out for therapy can feel like a big step, and I want you to know you don’t have to do it alone. My goal is to create a warm, welcoming space where you feel seen, heard, accepted, and never judged. I provide LGBTQIA+-affirming care and have a special passion for supporting older adults as they navigate the changes that come with aging. Whatever brings you to therapy, we’ll work together at a pace that feels right for you.
Available

$120/session

Authentic
Intelligent
Solution oriented

Specialties

Anxiety
Trauma and PTSD
Women's Issues
+10
Have you been feeling stuck somehow? Are you at a tipping point? I work with women, men, young adults, and teens looking for tools and strategies to overcome what feels overwhelming. At some point in life, most people find themselves in need of a little extra help. I help people navigate anxiety, trauma, life transitions, and more with a genuine, down-to-earth, and warm approach. My goal is to create a space where clients feel both supported and challenged. Together, we’ll find the balance between acceptance and change that will lead to the healing you envision.
Available

New to Grow

$100/session

Specialties

Addiction
Life Transitions
Self-Harming
I believe meaningful change happens when people feel heard, supported, and equipped with practical tools. My approach combines Cognitive Behavioral Therapy (CBT) with principles of positive psychology to help clients better understand their thoughts, build resilience, and create lasting, meaningful change. I work collaboratively with clients to identify strengths, overcome challenges, and develop healthy coping strategies that support emotional well-being and personal growth. Whether you're navigating anxiety, depression, life transitions, stress, or simply striving for a more fulfilling life, I provide a compassionate, goal-oriented space where you can move forward with confidence. Outside of my practice, I value living an active lifestyle and understand the important connection between physical and mental well-being. I enjoy staying active and believe that movement, balance, and self-care are important components of overall health. My goal is to help clients develop practical skills that empower them to thrive not just cope in their everyday lives.
Available

New to Grow

$150/session

Intelligent
Warm

Specialties

Anxiety
Depression
Women's Issues
+10
Hi, welcome! I am Laura Phillips a Licensed Clinical Social Worker (LCSW) with over a 13 years of mental health experience. Currently, I specialize in supporting females, ages 15-65+, navigating anxiety, depression, trauma, self-esteem concerns, co-dependency, grief and loss, and other life transitions. I meet my clients where they are at and strive to provide quality care. See you soon!
Available

$120/session

Authentic
Warm
Empowering

Specialties

Coping Skills
Life Transitions
Peer Relationships
+2
Hi there! It's so nice to virtually meet you - I don't tend to enjoy small talk and I don't find credentials to be all that interesting (LCSW in TN), so I am going to tell you some facts about myself. I believe the most important part of therapy is the therapeutic relationship, so if we have similar interests and/or values, we may be a good fit. Here we go: - I am an unapologetic Swiftie - I hand out book recommendations and quotes like they're candy - I have a deep passion for travel - and especially get a kick out of doing it on a budget - I am a bit of a personal finance nerd, to the point of getting a certificate in Financial Social Work (that's right- that means we can work on your finances together!) - I am a big fan of social justice and human rights - I have two dogs - a chocolate lab and a boxer - I enjoy getting outdoors and into the backcountry - I always get my daily dose of reality tv Here is one of my favorite quotes: "These are the words I want on my gravestone: that I was a helper, and that I danced." Anne Lamott
VirtualAvailable

New to Grow

$125/session

Specialties

Career Counseling
Coping Skills
Self Esteem
+5
As a Licensed Clinical Social Worker, I take a holistic approach to therapy, recognizing that mental health is influenced by every aspect of your life—your relationships, physical well-being, environment, values, and personal goals. Whether you're a student-athlete striving to perform at your highest level or a professional navigating the demands of a busy career, I provide a supportive space where you can step away from the pressure and focus on yourself. My style is warm, collaborative, and practical. Together, we'll address challenges such as anxiety, stress, burnout, life transitions, performance concerns, and relationship issues while building resilience, confidence, and effective coping skills. I believe therapy should be personalized, empowering, and focused on helping you create lasting change—not just manage symptoms. My goal is to help you thrive both personally and professionally by supporting your mental, emotional, and overall well-being so you can perform at your best and live a balanced, meaningful life.
Available

$100/session

Authentic
Direct
Open-minded

Specialties

Anxiety
Family Conflict
Trauma and PTSD
+7
I'm Robyn Richardson, and my passion for this work runs deep. As a Licensed Clinical Social Worker with more than 20 years of experience, I've had the privilege of walking alongside children, teens, adults, and families through some of their toughest moments. My heart is especially with those healing from trauma—whether you're a survivor of abuse, navigating recovery, or working to break cycles of generational pain. I understand that, for many of my clients, privacy, discernment, and a truly bespoke experience are non-negotiable. My practice is intentionally designed to provide a discreet, elevated environment where you can be authentically yourself, away from outside pressures and expectations. I know that asking for help can feel vulnerable, especially if you've been let down before or spent years learning to manage on your own. But you deserve a space where you can finally exhale. A space where your story is held with care, your pain is taken seriously, and your capacity to heal is never in doubt.
Available

New to Grow

$120/session

Specialties

Anxiety
Domestic Violence
Trauma and PTSD
+2
Hello! I’m so happy that you are considering seeking therapy. As someone who has received therapy myself, I know how hard it is to make that first step. Here are a few things about me that may help you determine if I am someone you want to continue with. I am originally from Mississippi, and went to Mississippi state university for my masters degree. (I do have a cowbell). I am also a massive soccer and football fan. I have extensive experience with trauma recovery specifically abusive relationships, abusive parents as a child, domestic violence, and systemic and systematic trauma. I also have experience with depression, anxiety, and post traumatic stress disorder (PTSD). If I sound like a good fit, please feel free to schedule an appointment. I look forward to working with you and walking alongside you in your mental health journey!
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

$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

New to Grow

$125/session

Specialties

Anger Management
Anxiety
Depression
+5
For over 20 years, I have worked with individuals and families facing unexpected life challenges that disrupted their sense of peace, security, and connection. I specialize in helping adults navigate anxiety, depression, grief, trauma, life transitions, and relationship concerns. Many of my clients are seeking clarity about important decisions, healing from difficult experiences, improving communication, strengthening relationships, or becoming the healthiest version of themselves. Clients are the experts in their own lives. My approach integrates cognitive-behavioral, solution-focused, strengths-based, and mindfulness-informed techniques to promote emotional healing, personal growth, and resilience. My role is to provide a supportive, collaborative environment where clients can gain insight, build on their strengths, and develop practical tools to overcome challenges. I meet clients where they are, offering compassion, encouragement, and accountability while helping them identify patterns that may be keeping them stuck. Through therapy, they have gained greater clarity, resilience, emotional regulation, and confidence, allowing them to create meaningful and lasting change. I strive to create a therapeutic space that is warm, welcoming, and empowering; an environment where clients feel safe to be authentic, vulnerable, and free from judgment. My goal is for clients to leave therapy feeling heard, valued, and better equipped to navigate life's challenges with confidence.
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.