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 50 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: 7/20/2025

Darla Roundtree

(she/her)

Darla Roundtree, LCSW - Tennessee Therapist at Grow Therapy
$95/session
LCSW
15 years of experience
Virtual
I am passionate about supporting people in living empowered lives. I am here to facilitate a collaborative process of inner work and inner awareness. I am well-versed in the therapeutic process and have been a Social Worker for over 15 years. I am a great listener and have the ability to attune to the needs of a person as they express and emote. My greatest offering is my presence, and my ability to provide non-judgmental support, feedback, and aid individuals in articulating their vision and taking steps in their desired direction. I see every individual as having incredible strengths, gifts, and resources, and I endeavor, in my personal and professional life, to see individuals as more than their circumstances and challenges. You are powerful and capable of any measure of growth you desire or strength you seek.

Terri Hoag

(she/her)

Terri Hoag, LCSW - Tennessee Therapist at Grow Therapy
$150/session
LCSW
30 years of experience
Virtual
Hi, I am a Licensed Independent Clinical Social Worker. I currently live in Mobile, Alabama but I am licensed in four other states as well. I have a Masters Degree in Social Work from the University of Iowa. I have been a Social Work for 30 years and have worked with all ages. I feel my purpose is to help you identify ways to improve your life.

Sarah Long

(she/her)

Sarah Long, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$125/session
LCSW
18 years of experience
Virtual
I'm a clinical social worker, and I finished my Masters of Science in Social Work in 2008 at the University of Tennessee. What this means is that I am trained to provide therapy services to people struggling with lots of different issues. It also means that I hold closely in mind what experiences people have had in their lives that come up for them and how their environments affect them as well.

Lea Hunter

Lea Hunter, LPC/MHSP - Tennessee Therapist at Grow Therapy

Frequently rebooked

$120/session
LPC/MHSP
25 years of experience
Virtual
I am a Licensed Mental Health Clinician in Georgia, Tennessee, and Florida. I have been practicing for more than 20 years using an integrated style of theories in counseling (CBT, Mindfulness, Trauma Focused, Solution Focused, Narrative, and Family Systems Theory). I believe the intervention should match the client verses "one size fits all." I see adults, couples, and adolescents via Telehealth.

Kiersen Hoffacker

(she/her)

Kiersen Hoffacker, LCSW - Tennessee Therapist at Grow Therapy
$150/session
LCSW
4 years of experience
Virtual
Hi, there. I'm glad you found my Profile! I'm a Licensed Clinical Social Worker in the state of Tennessee. I've been a therapist for over three years and worked in a variety of settings. My favorite part about being a therapist is empowering the clients I work with to gain insight into their emotional experiences, grow their toolbox, and make changes to live a more fulfilling life!

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.

Derrick Smith

Derrick Smith, LPC/MHSP - Tennessee Therapist at Grow Therapy
$125/session
LPC/MHSP
7 years of experience
Virtual
It's often difficult to know what you want and to pursue what you want. Especially, if broken patterns and negative family cycles are making you feel stagnant. There is an excitement that comes from building your own self-assurance and confidence as you stand securely in the story you want to live. Sometimes we wait to change our story because we don't feel ready. My hope is that we can all have the wisdom and courage to explore ourselves with compassion so that we can better love ourselves and love others. Let's create a foundation that allows us to live balanced personally, professionally, and relationally.

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.

Chris Campbell

Chris Campbell, LMFT - Tennessee Therapist at Grow Therapy
$95/session
LMFT
33 years of experience
Virtual
Hello, I am a licensed marriage and family therapist in the states of Texas and Tennessee with 30 years of counseling and ministry experience. I began as a minister of the Gospel in the Southern Baptist tradition in 1993 working with the homeless to overcome the struggles of addiction and hopelessness in North Carolina and Tennessee. From there, I became a case manager in a rural oupatient behavioral health clinic helping the chronically mentally ill live independently outside of the institutional settings. As my family of five children grew, my wife encouraged me to join the military in 2007 and for the next 13 years we served alongside our Soldiers and their Families as a chaplain. There, I learned through experience how to work through the stress of multiple transitions, the unyeilding demands for time and energy, and the unjust nature of toxic environments. I learned how to support those who wanted to strengthen themselves and their relationships in these environments and to ultimately be at peace with who they are and who they want to be. As I have matured in my training and become licensed in marriage and family therapy, I have found that I now specialize in using Solution Focused therapy and Cognitive Behavioral Therapy to help individuals identify their strengths and the beliefs that are guiding their behavior. With this knowledge, people can begin to choose who they want to be.

Lee Owen

(he/him)

Lee Owen, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$120/session
LCSW
5 years of experience
Virtual
Hello! My name is Lee Owen, and I am a Licensed Clinical Social Worker (LCSW) providing virtual therapy in Tennessee. My focus is serving young adults and adults navigating life transitions. I believe that the emotions we are most tempted to run away from– fear, grief, anger– exist to tell us about the kind of life we want. I help clients learn to identify and listen to their emotions rather than being overwhelmed or shut down. I use evidence-based approaches to treat depression, anxiety, trauma and PTSD, and eating disorders. We will also work together to increase mindfulness and self-compassion and strengthen the relationships in your life.

Nathan Hunzicker

Nathan Hunzicker, LMFT - Tennessee Therapist at Grow Therapy
$90/session
LMFT
4 years of experience
Virtual
I am a Licensed Marriage & Family Therapy (LMFT) providing virtual sessions in the state of Tennessee. I have been married to my wife for 10 years we have 3 amazing kids. My specialties are: Helping clients overcome Depression, Relationship Issues & Parenting. In each of these treatment areas are years of personal experience. My parents divorced when I was 10 years old and I struggled with depression from ages 15-25. I know the joy that comes from overcoming struggles and I would like to help you win battles in your life.

Sascha Smith

Sascha Smith, LPC/MHSP - Tennessee Therapist at Grow Therapy
$130/session
LPC/MHSP
10 years of experience
Virtual
I have always had a passion to help others! I was the kind of kid who took Halloween candy to school to help kids who were crying feel better. I definitely think my innate compassion and my passion for helping others definetly comes across in my work. I combine this with my knowledge, ongoing education, and experience to give the highest quality of care to my clients! I have been a licensed professional counselor with over 7 years of experience in working with a wide range of mental health disorders. I believe this brings a level of wisdom and experience to the services I offer my clients. In order to enhance my services, I completed extra coursework and training to render high-quality and knowledgeable. Through my experiences, I have had a particularly strong background in helping women and adolescents navigate various life challenges, including academic/job-related stress, past relationship violence/ trauma, anxiety, and depression, among others. I enjoy seeing the success of my clients!

Stormy Malone

(she/her)

Stormy Malone, LPC/MHSP - Tennessee Therapist at Grow Therapy
$125/session
LPC/MHSP
6 years of experience
Virtual
Hello, I am Stormy I can help you feel empowered to reach your goals, make changes that you want in your life, recover from trauma, anxiety, and depression, and manage life stress. I use a person-centered approach, which focuses on you as a whole person and the individual needs that you have. I have been working in community mental health for almost 10 years. I have a Ph.D. in community psychology and am a licensed counselor. I have been practicing counseling since 2016, and I have provided virtual counseling since 2019. I have experience working with adults, children, adolescents, and couples. Beginning therapy can be overwhelming and scary. I will be here to work with you through those feelings and provide you with an environment that is safe and compassionate.

Karen Collins

(she/her)

Karen Collins, LCSW - Tennessee Therapist at Grow Therapy
$150/session
LCSW
19 years of experience
Virtual
Karen Collins is a psychotherapist in private practice in Palm Beach Gardens, FL. She is originally from Ohio and graduated from The Ohio State University. She has worked at inpatient adult and adolescent psychiatric hospitals in Ohio for 8 years along with managing her private therapy practice and teaching at The Ohio State University. Then in 2012, she moved to Jupiter, FL where she began working at the West Palm Beach VA Medical Center for 10 years. Her career at the WPB VA Medical Center offered her the opportunity to work with Veterans in the following capacities over that 10 year period; as a Mental Health Therapist, Program Manager of Post Deployment Clinic and the Care Giver Support Program, Supervisor of Homeless Programs and Supervisor over programs serving Veterans with serious mental health conditions. In addition to working at the WPB VA Medical Center, she had a private practice in Jupiter, FL. In March of 2022, she left the WPB VA Medical Center in February to focus completely on her private practice which moved with her from Jupiter to Palm Beach Gardens, FL. She has published two books, one on relationships and another on managing depression. She has written a couples interactive co-journal and has published multiple articles on relationships, depression, improving well-being, thriving during and after a serious health issue and reducing acute stress response. She has a YouTube Channel, “Therapy with Karen Collins” where she posts peaceful places, guided meditations, provoking ideas to consider and a segment on managing acute stress response and improving overall well-being to teach how to prevent over-responding to stressors. She has provided therapy virtually for over 12 years.

Jackie Taylor-Mays

(she/her)

Jackie Taylor-Mays, LCSW - Tennessee Therapist at Grow Therapy
$125/session
LCSW
30 years of experience
Virtual
If you're in need of a concerned and respectful therapist, I'm the person for you. I help people struggling with anxiety, addiction, depression and relationship issues. I’ve accomplished over 20 years of experience as a Licensed Clinical Social Worker with a graduate degree from University of Tennessee and 10 additional years of experience specific to justice-related mental health counseling. I am the ideal therapist for someone interested in reaching goals and becoming their best version. I’m empathetic and can relate to life experiences and be open and honest in giving feedback and suggestions. A therapist with active listening skills is essential for clients to be heard. Being heard and understood without judgement is a major step in the healing process.

Julisa Holmes

(she/her)

Julisa Holmes, LPC/MHSP - Tennessee Therapist at Grow Therapy
$140/session
Has intro video
LPC/MHSP
2 years of experience
Virtual
Hi, I’m Julisa. I am a masters level Licensed Professional Counselor, practicing remotely in Rhode Island and Pennsylvania. As a Philadelphia native and person of color, I am driven by my desire to provide healthy representation of breaking generational trauma. I aim to get rid of stigmas related to seeking professional help. I am passionate about using my 11 years of experience to help clients feel genuinely seen, without judgement. I work with adult individuals and couples on various issues including anxiety, depression, PTSD, bi-polar disorders, relationship concerns, body positivity, LGBTQIA+ concerns, women's issues, and life transitions.

Susan Ennis

Susan Ennis, LCSW - Tennessee Therapist at Grow Therapy
$90/session
LCSW
20 years of experience
Virtual
Hello, and thank you for taking the first step in your journey to a better you! I’m a Licensed Clinical Social Worker and Licensed Substance Abuse Counselor. My career spans twenty years of working with Adults, Kiddos and Families through the multiple stressors life can present. I specialize in Depression, Anxiety, Substance Abuse, ADHD, Childrens Behavioral Issues, Illness Management and Trauma. I have an extensive history of working with Helping Professionals. I will bring to you my experience in current therapeutic models, and evidence-based modalities to help you find ways to cope at this time in your life.

David Nabea

(he/him)

David Nabea, LCSW - Tennessee Therapist at Grow Therapy
$140/session
LCSW
11 years of experience
Virtual
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.

Angela Serritella

Angela Serritella, LCSW - Tennessee Therapist at Grow Therapy
$120/session
LCSW
20 years of experience
Virtual
Hello and thank you for taking the time to reach out! Do you ever have those days when things are especially difficult?? Many of the people that I meet are looking for support with mental health, substance abuse, and managing traumatic events. I'm a Licensed Clinical Social Worker as well as a Certified Alcohol and Drug Counselor. I also have extensive experience supporting teenagers who have experienced trauma, which led me to become a Certified Clinical Trauma Professional. Currently, I work with adults and youth, and I'm a strong believer in the mental/physical health connection. I am currently a social worker for a small hospice team in my area so am comfortable having uncomfortable conversations. I believe in strengths-based recovery that looks at all the systems that can impact us. Bits and pieces of different models incorporated together tend to have the most benefit, based on the person's needs. I have seen so many great successes! I enjoy supporting the people I work with and going through their journey with them. I am currently licensed in both IL and TN. When I am not in sessions, you will find me hiking with the doggos, road-tripping in the Jeep, and going into "Mom Mode" with my three kids. I look forward to connecting with you :)

Audra Kennedy

Audra Kennedy, LPC/MHSP - Tennessee Therapist at Grow Therapy
$100/session
LPC/MHSP
17 years of experience
Virtual
I believe in the importance of treating the whole person: body, mind, spirit. My approach is empowering you to make your own decisions, to help you set your own goals and to walk with you on your journey to health. I specialize in women's issues: self image, hormonal changes, sexual issues including desire issues, pain and trauma. Other issues addressed both male and female: relationships, anxiety, depression, grief & loss. I want to partner with you on your journey to mental health and wellness.

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.

Amy Roberts

(she/her)

Amy Roberts, LCSW - Tennessee Therapist at Grow Therapy
$80/session
LCSW
5 years of experience
Virtual
Hi, I am a Licensed Clinical social worker and I have been in practice five years. I specialize in CBT, Mindfulness, EMDR, and couples counseling. I believe in meeting each individual where they are, and designing a treatment plan based on the specific needs of each patient. I am able to assist with a range of mental health issues and disorders. Such as, ADHD, anxiety, personality disorder, autism, life coaching/empowerment, couples counseling. trauma/abuse, interpersonal issues, women's issues, and LGBTQ+.

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.

Erica Cieri

Erica Cieri, LCSW - Tennessee Therapist at Grow Therapy
$100/session
LCSW
15 years of experience
Virtual
I am a Clinical Social Worker (LCSW) who is here to be a listening ear and talk through the issues bothering you. However, there also comes a time in the session where we will roll up our sleeves and collaborate to take concrete action towards positive change. This may involve learning about new skill in session. It may mean implementing new skills in between sessions. The goal is to create real change and find your peace.

Crysta Dunkerly

Crysta Dunkerly, LCSW - Tennessee Therapist at Grow Therapy
$125/session
LCSW
20 years of experience
Virtual
I have over 20 years experience working with all different populations. The learning/ change process doesn't have to be complicated/ unpleasant. "Not sure what to do"? "Need someone to talk to"? Who doesn't? An objective unbiased outside view on anything can be helpful for anyone/ any situation- am I right? Your comfort comes first! I have the skills, experience, and tools to help you with whatever you need or help you figure out what it is you even need.

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 Family Conflict?

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, Family Conflict, 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.