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 41 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: 7/12/2025

Lindsey McAllister

(she/her)

Lindsey McAllister, LCSW - Tennessee Therapist at Grow Therapy
$120/session
LCSW
6 years of experience
Virtual
I help individuals navigate life’s challenges, heal from past experiences, and create meaningful change and empowerment. I specialize in working with addictions, anxiety, trauma, relationship issues, and life transitions, using a blend of evidence-based and humanistic approaches. My goal is to create a supportive, collaborative space where you can explore your experiences, build resilience, and move toward the life you want to live.

Karin Booher

(she/her)

Karin Booher, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$110/session
LCSW
25 years of experience
Virtual
Are you feeling stressed out, zoned out, or off-balance? Do you feel like you're drowning under the weight of responsibilities, while others seem to be thriving? Have you been using social media, toxic relationships, or substances to numb or distract yourself from the discomfort? I'd love to try and help you find your footing and feel more like yourself again. Most of the clients I work with have a lot more in common than they realize. They are struggling...but they believe they SHOULD be able to manage everything! They believe they are somehow flawed or weaker than others. I want you to know it’s okay to be struggling. Prolonged stress and trauma from things like the Covid pandemic, social and political unrest, racism, homophobia, and bullying can greatly impact our mental and physical health. Anxiety, depression, or trauma symptoms may be showing up as a way to say, “Hey, I’m not okay right now. I need to talk about this.” I am here to listen and help you navigate tough situations like these. I have a background in both mental health and medical social work. I have worked in a variety of settings, including outpatient clinics, hospitals, community agencies, and addiction centers. My specialties are grief and loss, mood disorders, and issues facing the LGBTQ+ community. I have worked in this field for over twenty years, and I am more passionate than ever about helping others. I look forward to meeting you soon!

Norman Shaffer

(he/him)

Norman Shaffer, LCSW - Tennessee Therapist at Grow Therapy
$90/session
LCSW
11 years of experience
Virtual
Greetings, My name is Norman Shaffer and I am a Licensed Clinical Social Worker in the state of Tennessee. I have been practicing as a social worker for over a decade now. I like working with adults who are actively seeking a positive change in their life. I like to partner with clients and guide them towards better outcomes and a healthier balance in life.

Alex Wright

(he/him)

Alex Wright, LPC/MHSP - Tennessee Therapist at Grow Therapy
$140/session
LPC/MHSP
15 years of experience
Virtual
Hi, my name is Alex and I offer a safe, healing presence for those suffering from substance misuse, sex and pornography addiction, and trauma. Although the therapeutic process is different for each client, my approach utilizes mindful, experiential therapy, and addresses both the symptoms and the underlying causes of trauma and addiction, ultimately resulting in life-long recovery. Feel free to visit my website: https://alexwtherapy.com for more information.

Ben Smith

Ben Smith, LP - Tennessee Therapist at Grow Therapy
$160/session
LP
12 years of experience
Virtual
Are you feeling stuck and unsure of how to get past symptoms of anxiety, depression or past trauma? It's common to experience mental health-related challenges in life and to get stuck at times. We're not born with a built-in understanding of how to be psychologically healthy, so sometimes it's a good idea to get a little guidance from an unbiased professional. My ideal client is motivated to understand themselves better and to make the necessary adjustments to improve their quality of life.

Meredith B Cleveland

(she/her)

Meredith B Cleveland, LPC/MHSP - Tennessee Therapist at Grow Therapy
$150/session
LPC/MHSP
7 years of experience
Virtual
Hi! I am a Licensed Professional Counselor-Mental Health Service Provider for the state of TN. I have been licensed for over three years but have worked with the mental health field for over 13 years. I love creating a safe place for clients to be able to address root issues related to unhealthy behaviors and thought patterns. I've spent many years working with adolescents and young women in a variety of residential settings including a domestic violence shelter, a children’s group home, and residential treatment facilities.

Melissa Fowler

(she/her)

Melissa Fowler, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$130/session
LCSW
21 years of experience
Virtual
Hi! I am a Licensed Clinical Social Worker in Tennessee (LCSW) and Massachusetts (LICSW) with over 20 years of experience guiding individuals through life's challenges. I understand that life's path isn't always straight; transitions, trauma, grief, depression, and relationship struggles are real. I believe in the transformative power of collaboration and growth. With a MA in Social Work from Georgia State University and dual BAs from UMBC, my diverse background equips me to provide tailored therapy and counseling. My compassionate, non-judgmental, honest, and down-to-earth approach creates a safe space where I walk beside you on your journey to healing and growth. NOT CURRENTLY OPEN TO COUPLES.

Angela Goins

(she/her)

Angela Goins, LPC/MHSP - Tennessee Therapist at Grow Therapy
$100/session
LPC/MHSP
5 years of experience
Virtual
I am a licensed professional counselor and earned my master’s degree at the University of Tennessee. I am accepting new clients and would love to talk more about how I can help you with whatever challenges you are facing. Life can be tough but having someone who is trained to help you navigate all of life’s twists and turns is invaluable.

Monifa McCarther

(she/her)

Monifa McCarther, LCSW - Tennessee Therapist at Grow Therapy
$110/session
LCSW
15 years of experience
Virtual
Monifa is a native New Yorker, currently living is Georgia. She has a deep commitment to understanding and supporting her clients on their unique therapeutic journeys. Her holistic approach focuses on addressing the diverse issues her client’s face. Throughout her career, Monifa has dedicated herself to working with individuals in various challenging settings, including the correction system foster system, hospice and hospitals. Her expertise lies in helping clients with alcohol and substance issues, issues, parenting challenges and eating disorder treatment.

Robert Price

(he/him)

Robert Price, LPC/MHSP - Tennessee Therapist at Grow Therapy
$85/session
LPC/MHSP
31 years of experience
Virtual
I have approximately 30 years of experience in virtually all clinical settings. I began my career working in a juvenile penitentiary (referred to as a 'youth development center) and after almost 6 years, left that setting and moved on to new opportunities. Along the way, I worked with group homes, foster homes, substance abuse treatment programs, and even provided treatment in a sexual offender treatment program. In 2004 I went solely into private practice and currently operate two offices. I also provided on-site services to businesses that suffer a death or other disruptive event; I have provided over 170 of these services in four states during the last several years. While you don't need any faith to see me, I also offer Christian Counseling. Finally, I am a US Army veteran and understand the challenges and needs of veterans. I operate under a practical approach that seeks to build on a person's strengths to achieve realistic, measurable goals. I utilize primarily cognitive behavioral therapy and reality therapy to help my clients achieve their goals and to live life more fully.

Lauren Milligan

(she/her)

Lauren Milligan, LCSW - Tennessee Therapist at Grow Therapy
$90/session
LCSW
11 years of experience
Virtual
Hi and welcome. My name is Lauren and I am a licensed clinical social worker. I have been working in the social work and mental health space in some capacity for almost 15 years. I aim to provide a welcoming environment that creates the space for working toward and supporting your individual goals. I specialize in helping individuals who are facing issues such as anxiety, depression, obesity, substance abuse, life transitions and adjustments, as well as aging. My therapeutic approach is always client-centered, is eclectic in nature, and is rooted in cognitive behavioral therapy. My overarching goal is to support my clients in identifying their strengths and gaining insight into their lives to ultimately live with greater peace and satisfaction.

Kay Collake

(she/her)

Kay Collake, LCSW - Tennessee Therapist at Grow Therapy
$100/session
LCSW
17 years of experience
Virtual
Do you find yourself overwhelmed with the competing priorities of daily life? Stuck in unhealthy patterns such as overuse of alcohol, procrastination, or emotional eating? Are your days spent battling perfectionism and negative self-talk? Would you like to be more active socially but struggle with anxiety or feelings of low self-worth? Hi. I’m Kay. Congratulations on taking the first step toward living your best life! I am a Licensed Clinical Social Worker in the state of Tennessee with 17 years of experience providing psychotherapy, assessment, and referral services to adults, children, and families. Additionally, I am a certified Neuropsychotherapist, specializing in the integration of neuroscience into transformative therapy. Common areas of practice include anxiety and depression management, women's issues, support with the management of chronic health conditions, minority stress, trauma, relationship difficulties, and grief/loss. It takes courage to choose a path of self-discovery and healing. But you don’t have to walk this path alone. Whether you are seeking assistance with managing an ongoing mental health issue, or are seeking solution-focused therapy to deal with a specific problem, I'm here to help

Summer Papin

Summer Papin, LCSW - Tennessee Therapist at Grow Therapy
$125/session
LCSW
15 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker (LCSW) working with clients in Nevada and Arizona. I have been practicing as an LCSW since 2009. I am trained in EMDR and CBT and have seen great success in my clients. I am passionate about the work I do and strive to develop a strong working relationship with my clients and work hard to make you feel comfortable. I specialize in trauma, depression and anxiety. I tailor my approach based off of each clients personal needs. I look forward to working with you!

Cherri McCord

Cherri McCord, LPC/MHSP - Tennessee Therapist at Grow Therapy
$90/session
LPC/MHSP
15 years of experience
Virtual
Hi ~ I'm a Licensed Professional Counselor in Missouri and Tennessee; I have been licensed for 13+ years. My focus is to help people learn how to manage anxiety and depression so as to live a more fulfilling life. I will provide resources, teach skills, and provide encouragement to help make changes. We will collaborate to make a plan for long term success.

Brittney Wilcox

(she/her)

Brittney Wilcox, LPC/MHSP - Tennessee Therapist at Grow Therapy
$120/session
LPC/MHSP
10 years of experience
Virtual
If you are looking to stop running from who you truly are and ready to remove the mask that you are wearing... lets start your path to healing! So many of us wear masks that were given to us from traumas, our heart breaks, society, attachments, trauma bonds, dysfunctional families, and everywhere else except from our true soul. We are wearing masks and costumes that's created out of pain and hurt. Lets work together to clip that mask and burn it to usher in a new way of living. A healed way of living.. a life where you're thriving instead of simply surviving. All it takes is one click to start your healing journey! Lets Go!

Myra Johnson

(she/her)

Myra Johnson, LCSW - Tennessee Therapist at Grow Therapy
$135/session
LCSW
28 years of experience
Virtual
I am a Licensed Clinical Social Worker in TN with a varied background of experience and knowledge. I love helping clients identify what is holding them back in their lives and work on meeting new challenges with comfort and healing. My goal is to make clients feel comfortable and safe while they share their thoughts and feelings. I am here to be supportive but not tell you have to run your life- that is YOUR decision. I sort through the options, the barriers and the coping strategies available.

Necole Richardson

(she/her)

Necole Richardson, LPC/MHSP - Tennessee Therapist at Grow Therapy
$85/session
LPC/MHSP
6 years of experience
Virtual
You've taken the first step! I'm Necole a licensed clinician counselor in the states of Tennessee, Kentucky, and Utah. I've always desired to understand feelings, behaviour and the human mind; always been driven toward solving the questions that start with why. My passion for therapy began after realizing I was helping many clients with the similar concerns related to identity confusion, limited self-awareness, and low self-confidence. Life is pretty complex and sometimes presents us with challenges that require support and therapeutic interventions to achieve balance and overall wellness. Congratulations to you for your courage, and on your decision to seek empowerment and enhance your current emotional well-being. If you are in need of more support for your journey don't hesitate to reach out. Even if we aren't the right fit let me send you in the right direction.

Darleena R Cozzo

(she/her)

Darleena R Cozzo, LPC/MHSP - Tennessee Therapist at Grow Therapy
$200/session
LPC/MHSP
30 years of experience
Virtual
About Darleena Cozzo , is a licensed professional counselor serving Virginia and Tennessee who has over 28 years of experience in the social services field. Darleena's style is warm and professional and, at the same time, passionate and committed to you and your relationships. Darleena focuses on personal and spiritual growth to over-come the fears, regrets, and excuses that keep us stuck, depressed, anxious and unable to ACT. Many of us have made choices based on fear instead of purpose and hope. As a result , we live lives that we never intended for ourselves. Our relationships, our families, our careers, our lifestyles are very unsatisfying, at best, and damaging and crippling at worst. This marginal existence is not what you intended; nor was it intended for you . You were meant for MORE; more gratitude, more love, more happiness, more peace. Come see me and lets beginning the Passage of Healing.

Felisha Babb

Felisha Babb, LCSW - Tennessee Therapist at Grow Therapy
$90/session
LCSW
15 years of experience
Virtual
Hello, I am a Licensed Clinical Social Worker. My goal is to create a nonjudgmental supportive environment while collaboratively working with my patients as team to assist them with gaining and maintaining emotional stability. I am a client centered therapist with 5 years experience in mental health counseling. I have been successful in using my expertise to understand, assist, and guide clients to learn components of emotional intelligence that they can use to assist them with meeting their behavioral health goals. I am highly accomplished in designing psycho-educational programs that empower clients with self-efficacy and the motivation to change. I am Skilled at using Dialectal Behavioral Therapy, Cognitive Behavioral Therapy, Rational Emotive Behavioral Therapy and other therapeutic modalities to assist clients with meeting their therapeutic needs. I am Smart Recovery Certified and skilled at working with individuals who are battling addiction, depression, anxiety, and PTSD. I am hard working, motivated, team oriented, and dedicated to the field of mental health. I strongly believe in giving clients tool that they can use to gain and/or maintain safety, sobriety, and stability.

Dr. Andre Wielemaker

Dr. Andre Wielemaker, LP - Tennessee Therapist at Grow Therapy
$185/session
LP
6 years of experience
Virtual
* Taking weekly clients only * Hey! I'm Dr. Andre, a licensed clinical psychologist. I provide therapy for a range of concerns. No matter what you are facing, I strive to understand your situation and help you find relief and clarity. I aim to provide a genuine and trusting relationship and a judgement free atmosphere to explore the concerns you are facing! I completed a BA in Psychology, an MA in Clinical Psychology, and a Ph.D. in Clinical Psychology, a 12 month internship followed by a 12 month post-doctoral fellowship, and multiple state and national board exams.

Kaja Switalska

(she/her)

Kaja Switalska, LCSW - Tennessee Therapist at Grow Therapy
$100/session
LCSW
8 years of experience
Virtual
I became a therapist simply because I’ve always wanted to help people. I've seen firsthand the incredible power of connection and how transformative it can be to have a non-judgmental, unbiased person who truly listens to you in therapy. That kind of support creates a space for growth and healing, and it’s something I’m passionate about offering to others. Being able to witness someone’s journey as they feel heard and understood is one of the most rewarding parts of this work. Growing up, I struggled with feeling like I belonged and often felt inadequate. Those experiences made me realize how important it is to have a safe space where you can be heard. I’m truly honored to be by someone’s side as they take strides toward becoming the best version of themselves and improving their lives. Everyone deserves that kind of support, and I’m grateful to offer it. Hi, I’m Kaja Switalska, a Licensed Clinical Social Worker specializing in helping adults, with particular focus on college-aged individuals, manage anxiety, depression, substance abuse, and adjustment issues. I aim to provide a welcoming, judgment-free space where you can feel heard. I often use humor to keep things light while also addressing real challenges. In our first sessions, we’ll get to know your unique needs and develop attainable goals. My approach blends CBT, mindfulness, solution-focused strategies, and motivational interviewing.

Emilio Yonta

(he/him)

Emilio Yonta, LCSW - Tennessee Therapist at Grow Therapy
$125/session
LCSW
44 years of experience
Virtual
Hello, I am a licensed clinical social worker in FL, AL, TN, and SC. I received my MSW degree from Barry University in Miami Shores, Miami, FL. and I have over 40 years of practice experience. I have extensive experience in community and emergency mental health, crisis intervention. I was in private practice for 21 years serving individuals, couples, families, community agencies and municipalities. While in private practice I also became a life coach and personal fitness trainer developing a unique approach to behavior and life style change. I combined my clinical experience with life coaching and personal fitness training and formed a program called Your Life in Focus. This paradigm became an extremely effective approach to help individuals make significant and sustained life-style changes. My experience, and creative approaches can have important and meaningful impact on your life.

Elias Tamene

Elias Tamene, LPC/MHSP - Tennessee Therapist at Grow Therapy
$130/session
LPC/MHSP
15 years of experience
Virtual
I am a dedicated psychotherapist committed to helping individuals navigate life's challenges, improve emotional well-being, and foster personal growth. With a client-centered approach, I provide a supportive and nonjudgmental space where you can explore your thoughts, feelings, and behaviors. Whether you're struggling with anxiety, depression, relationship concerns, trauma, or life transitions, I integrate evidence-based techniques tailored to your unique needs. My goal is to empower you with the tools and insights to create lasting change and live a more fulfilling life.

Molly Heiss

(she/her)

Molly Heiss, LCSW - Tennessee Therapist at Grow Therapy
$85/session
LCSW
10 years of experience
Virtual
I am an LCSW based in TN with ten years of experience with mental health and substance use disorders. I have a passion for working with individuals, couples, and families. I use a process approach to healing that fosters a safe space for each client. I am a Certified Clinical Anxiety Treatment Professional (CCATP) with an exposure focused practice perspective.

Thom Barry

Thom Barry, LCSW - Tennessee Therapist at Grow Therapy
$100/session
LCSW
13 years of experience
Virtual
I am a Licensed Clinical Social Worker with over 13 years of experience helping clients. I am a proud Appalachian-American that was born and raised deep in the mountains of Upper Northeast TN. Although my life experience is about what one would expect from this area (cue banjo music), my work experience is vastly different. I have been fortunate to get to work with individuals from all walks of life. I have worked with clients (thanks to the internet) from all over the world, various cultures, religious beliefs, race, gender spectrums and socioeconomic status. One thing I have learned in my work with all of these individuals is that although each of their stories are unique, ultimately, they all seek/want the same core things. I think much of my success in working with a wide assortment of clients is that I attempt to be open, understanding, curious and cultivate a nonjudgmental atmosphere for our sessions. The working relationship between a therapist and their client is a key factor to client’s achieving treatment goals.

Frequently asked questions

Why filter by Tennessee rather than a city like Nashville?

When looking for online therapy, you can see anyone that is credentialed in the state. 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.

Will my therapist take insurance?

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.

How does the Specialty Filter work? Can I find a therapist that focuses on Addiction?

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, Addiction, is filtering therapists in Tennessee that work with patients with similar concerns.

Why use Gender, Age, and Identities filters?

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.

What to expect during your first session?

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.