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 46 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

Jennifer Schalow

(she/her)

Jennifer Schalow, LPC/MHSP - Tennessee Therapist at Grow Therapy
$150/session
LPC/MHSP
20 years of experience
Virtual
Hello, I’m Dr. Schalow, I’m not the kind of therapist who hides behind clinical language or offers quick fixes. I’m a trauma-informed traumatologist with doctorates in both psychology and theology. My work is grounded in evidence-based treatment, spiritual integrity, and honest, human connection. I don’t just study trauma, I’ve lived through it, healed through it, and now walk with others in compassion and clarity. ✔ Licensed in Tennessee ✔ Licensed in Arkansas ✔ Licensed in Virginia I specialize in trauma recovery, PTSD, anxiety, emotional abuse, religious trauma, and identity restoration. I also work extensively with couples who feel disconnected, stuck, or overwhelmed by communication breakdowns, betrayal, or emotional shutdown. My approach is warm but direct. I combine psychological science, brain-based strategies, solution-focused therapy, and faith-based counseling to help clients move forward with real tools and hope. In my practice, we focus on the whole person, including: mind, body, soul, and relationships. Whether you’re carrying invisible wounds, navigating a major life transition, or simply trying to reconnect with who you are, I provide a safe space for healing, growth, and truth-telling. You do not need to have it all figured out. You just need a place to begin. I work with: ✔ Military service members, veterans, and their families via Military OneSource and TRICARE ✔ First responders and law enforcement ✔ Survivors of trauma, abuse, moral injury, religious abuse, and betrayal ✔ Individuals facing depression, anxiety, burnout, or spiritual confusion ✔ Couples seeking reconnection, repair, and deeper understanding ✔ Clients navigating life transitions, career shifts, or loss of identity Clients often share that for the first time, they feel safe, understood, and empowered to tell their story. If you are ready to do honest, meaningful work and want a therapist who integrates holistically, I would be honored to walk with you.

Hannah Martin

(she/her)

Hannah Martin, LCSW - Tennessee Therapist at Grow Therapy
$110/session
LCSW
5 years of experience
Virtual
Hey there, I am Hannah. I am a licensed clinical social worker passionate about helping people reach their goals. I am ready to help you find solutions or help you cope when there just isn't a solution. Mental health is a journey, and I will be there to help you every step of the way. I work in person in Chattanooga Monday's and Wednesdays, and virtual Tuesday Thursday and Friday. My hours are 9am to 630pm MWTh and 9am to 530pm Tu and F. I can see people in Florida, South Carolina and Idaho via telehealth. I accept most commercial insurances and TN Medicare and in the process of getting paneled with TN medicaid.

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.

Katherine Combs

Katherine Combs, LPC/MHSP - Tennessee Therapist at Grow Therapy
$120/session
LPC/MHSP
12 years of experience
Virtual
I am licensed to work with those in the state of Tennessee, USA. I have over 20 years experience working in the mental health field, 12 of those years specifically working as a therapist. My experience consists of helping clients with family conflicts, trauma and abuse, parenting issues, mood disorders, anxiety, & depression. I also have taught parenting classes, which allowed me to help parents in their relationship with their children. I am trained in Trauma Focused Cognitive Behavioral Therapy (TF-CBT). While I have been trained in various therapy techniques, I have found most relation in the Solution Focused umbrella utilizing Narrative therapy. Solution Focused therapy helps people recognize how to work towards what they want- including how Narrative therapy sees each person’s storyline from their past, separating themselves from their problem (instead of living stuck), and recognizing how they want their story to continue. I believe that you are the expert of your story and that you have many strengths to overcome your challenges. Different situations can take place without our ability to feel prepared. You can take time for yourself and begin processing, in a safe and secure manner, through teletherapy services.

Jennifer Roney

Jennifer Roney, LPC/MHSP - Tennessee Therapist at Grow Therapy

Frequently rebooked

$120/session
LPC/MHSP
12 years of experience
Virtual
Do you struggle with feeling “good enough”? Are you sick of feeling overwhelmed, exhausted, and stressed? Do you feel like some days you are just going through the motions or barely have your head above water? I specialize in helping people understand themselves better so that they can actively work towards healing. I am passionate about helping individuals that struggle with anxiety, traumatic events, perfectionism, overthinking, fear, life transitions, and faith based concerns.

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.

Sheila Stoner

(she/her)

Sheila Stoner, LPC/MHSP - Tennessee Therapist at Grow Therapy
$125/session
LPC/MHSP
11 years of experience
Virtual
I am licensed in Tennessee with 10+ years of professional work experience. I have experience in assessing clients with coping with grief and loss, parenting issues, anger management, & coping with life changes. I work with my clients to create an open and safe environment where thoughts and feelings can be shared without fear of judgment. Taking the first step to seeking a more fulfilling and happier life takes courage. I am here to support them in that process.

Bracey Thomas

Bracey Thomas, LMFT - Tennessee Therapist at Grow Therapy
$155/session
LMFT
6 years of experience
Virtual
Hi! I am a Licensed Marriage and Family Therapist in Tennessee. I received by degree from Liberty University and have been practicing for 5 years. I help individuals, couples, and families who are feeling stuck in life or in relationships discern the root issues and walk toward healing together. My goal is to help each person feel more fulfilled in all areas of their life.

Amie Healy

(she/her)

Amie Healy, LPC/MHSP - Tennessee Therapist at Grow Therapy
$120/session
LPC/MHSP
8 years of experience
Virtual
Do you find yourself struggling with feeling heard or being able to be fully present in the moment? Each person deserves the space to be heard, a place where they can be their authentic self. I want to understand and help you work through any events or concerns that have caused you to seek out therapy. Whether you are struggling with feeling anxious, not wanting to get out of bed or do the things that you used to enjoy or have experienced a loss. Together we can identify what you need in order to live a more fulfilled life. Seeking therapy can be a scary move and many people often feel that they have lost themselves so give yourself credit for making the first step! I enter each session ready to provide you with empathy, my undivided attention, and that safe space so that you can overcome whatever challenges brought you here.

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

Tiffany Lindsey

(she/her)

Tiffany Lindsey, LPC/MHSP - Tennessee Therapist at Grow Therapy
$125/session
LPC/MHSP
15 years of experience
Virtual
I've been a counselor for a little over 15 years and do both consulting and mental health counseling through TeamFirst Solutions, PLLC. I've most often worked with teens, women and parents as they navigate their lives. Helping survivors of trauma is a particular passion of mine, and probably the one where I've had the most experience. Helping clients navigate life transitions like heading to college or finding direction after a major life event like divorce is an area of expertise for me as well. I value warm, inclusive spaces where people feel affirmed and cared about. I want my support to be practical, tailored to the individual, and help clients start to feel better fast. I'm grateful for experiences in case management, crisis work, private practice, and program leadership. I have experience teaching continuing education to fellow counselors and spent time as faculty in higher education. I think those diverse experiences have helped me learn how to solve real-world challenges, learn new treatment approaches, and meet people's needs in practical and accessible ways. I genuinely care about my clients and want to give my very best to help.

Mayme Siders

Mayme Siders, LCSW - Tennessee Therapist at Grow Therapy
$105/session
LCSW
10 years of experience
Virtual
Hello! I am an LCSW based in Evansville Indiana that serves Tennessee, Indiana, and Kentucky clients through telehealth. I have been a counselor for 10 years. I attended UTK in Knoxville Tennessee. I am an Integrative, Humanistic therapist that emphasizes positive psychology in my practice. I use a client centered, strengths based, solution focused approach. My goal is always to support you in moving toward your personal goals in ways that feel comfortable & accessible to you. Whether the issue is anxiety, depression, grief, relationship difficulties, poor coping skills, or phase of life issues, my approach is based in genuine support & kind, honest feedback.

Danielle Choate

(she/her)

Danielle Choate, LPC/MHSP - Tennessee Therapist at Grow Therapy
$130/session
LPC/MHSP
4 years of experience
Virtual
Life can be difficult to navigate and there's no user manual. Are you struggling with anxiety or depression? Do you have a child or teenager who is often mislabeled as a "bad kid"? Do you feel your plate is more than full? Are you struggling to manage it all at once? Life can feel overwhelming. You keep burying these feelings and telling yourself "I'm fine". You deserve time to slow down and focus on yourself.

Briana Whitted

(she/her)

Briana Whitted, LCSW - Tennessee Therapist at Grow Therapy

Frequently rebooked

$100/session
LCSW
7 years of experience
Virtual
Hi there, my name is Briana and I am here to support you through various challenges and transitions. We can oftentimes feeling frustrated, stuck, or anxious - whether this be as a spouse, parent, employee, or just feeling overwhelmed as a human in general. We can all experience getting to a place where we feel completely numb & just trying to survive. You might feel like a hamster running on its wheel, feeling completely stuck and going nowhere, unsure of what to do differently. Maybe you're trying to heal on your own from the things that you never talk about, and are in need of someone who can listen & validate your emotions.

Virginia Addison

(she/her)

Virginia Addison, LPC/MHSP - Tennessee Therapist at Grow Therapy
$100/session
LPC/MHSP
7 years of experience
Virtual
Hi! My name is Virginia and I am an LPC-MHSP in TN and LPC in VA. I have been working as a therapist for 7 years with 5 of those years focused on children and adolescents and the most recent 2 focused on crisis interventions. I help children and adolescents work through life events and transitions. Recently I have started working with moms as they adjust to motherhood and help them recenter themselves.

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.

Chandra Malamud

(she/her)

Chandra Malamud, LCSW - Tennessee Therapist at Grow Therapy
$125/session
LCSW
16 years of experience
Virtual
Are you struggling with a major transition? Life can certainly throw us some curve balls. Although you may feel overwhelmed or discouraged, things can get better. I specialize in helping people deal with big events like grief, illness, caring for a loved one, and divorce. These changes might contribute to anxiety, self-doubt, or depression. These challenging times can be exhausting, and it’s key to take care of yourself. With the right help, you can heal and even thrive. More and more people are understanding that mental health support isn’t a luxury, but a necessity that we all deserve. I keep up with the most effective therapies so that I can provide you with the best care possible. I also recognize that your situation is unique, and you have your own struggles and strengths. We will tailor your care to where you’re at, and what you need at this time. I am dedicated to supporting you however I can, through evidence-based therapy, education, and resources. I offer flexible appointments online, through a secure, HIPAA-compliant platform. If you’re ready for the next step, call to set up an initial consultation. I look forward to seeing how I can help.

Cathy Tanner

Cathy Tanner, LPC/MHSP - Tennessee Therapist at Grow Therapy
$90/session
LPC/MHSP
21 years of experience
Virtual
Hello, I am so glad you are reaching out. It takes courage to ask for help and I know that is not always easy and I am proud of you for taking the first step! I am a Licensed Professional Counselor with 21 years of counseling experience. I am here to support you on your journey towards mental health and well-being. I provide a safe and compassionate space for you to explore your thoughts, feelings, and experiences. My clients often struggle with the "unknowns" of life and I like to help people feel more comfortable with the unknown and to trust the process of life.

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.

Linda Walters

(she/her)

Linda Walters, LCSW - Tennessee Therapist at Grow Therapy
$90/session
LCSW
30 years of experience
Virtual
I'm a licensed clinical social worker (LCSW) licensed to serve in South Carolina and Tennessee. I earned my MSW from Barry University and I have been practicing for 25 years. I view my career choice as my vocation as well and I believe in a whole health approach, examining and improving on all areas of self. All areas of self are important and connected, and with my help, you can achieve a healthy balance within yourself.

Renesa Clemons

(she/her)

Renesa Clemons, LCSW - Tennessee Therapist at Grow Therapy
$75/session
LCSW
22 years of experience
Virtual
Hello, I am a Licensed Clinical Social Worker. I graduated from the University of Tennessee Knoxville in 2006. I have been in the mental health field for over 20 years. I have been an LCSW for the past 10 years. I have experience in treating trauma, anxiety, bipolar disorder, and depression. Currently, I also work at the Memphis VA Hospital in the ER as a mental health assessor.

Samantha Acosta

(she/her)

Samantha Acosta, LMFT - Tennessee Therapist at Grow Therapy
$120/session
LMFT
15 years of experience
Virtual
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.

Tera Warfield

(she/her)

Tera Warfield, LPC/MHSP - Tennessee Therapist at Grow Therapy
$90/session
LPC/MHSP
10 years of experience
Virtual
Hi! I'm a Licensed Professional Counsellor (LPC) based in Tennessee and able to serve those in Mississippi. I received my Masters and PhD from the University of Memphis. I have been practicing for 10 years. I have experience working with diverse populations. I help adults struggling to cope with life transitions by helping them navigate issues and improve coping skills.

Kimberly Weisberg

Kimberly Weisberg, LCSW - Tennessee Therapist at Grow Therapy
$140/session
LCSW
22 years of experience
Virtual
I am passionate about developing safe, meaningful relationships to help you explore challenging belief systems that may be getting in the way of you becoming and feeling your best self. I have over 20 years of experience working with youth and adults. My passion is helping women through varying life transitions to become overcomers of their circumstances. Through a variety of therapeutic modalities, individualized to meet your needs, I can help you transform thought patterns that may be leading to anxiety, depression, low self-esteem or that may have resulted from trauma, grief and loss, etc. I enjoy helping women find a work/life balance as well as helping mothers looking to build stronger relationships with their children. I love building relationships with people; therefore through a strength-based and collaborative approach, we will work together to identify tools that will help improve your ability to communicate with others, strengthen relationships, and build skills.

Maria Garcia

(she/her)

Maria Garcia, LPC/MHSP - Tennessee Therapist at Grow Therapy
$100/session
LPC/MHSP
8 years of experience
Virtual
Hello! I'm a Licensed Professional Counselor with an MHSP designation, bringing 7 years of experience supporting teens, adults, and couples facing challenges related to grief, anxiety, depression, life transitions, and cultural issues. My approach involves helping clients identify obstacles to achieving their optimal selves, fostering a healthy mental health lifestyle. I work collaboratively with clients to understand and manage life difficulties, equipping them with the skills to thrive in various circumstances. My primary focus is on utilizing Cognitive Behavioral Therapy (CBT) to support clients on their journey towards growth and healing.

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 Parenting?

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, Parenting, 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.