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 42 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: 7/20/2026

$70/session

Warm
Authentic
Open-minded

Specialties

Spirituality
Anxiety
Self Esteem
+10
I grew up in Florida and earned my undergraduate degree from the University of Central Florida, followed by my graduate degree from Palm Beach Atlantic University. My clinical focus is in crisis and trauma, and I am passionate about supporting individuals from all ages and backgrounds. I strive to help clients navigate and heal from life experiences that have deeply impacted them, fostering resilience, growth, and empowerment throughout the therapeutic process.
VirtualAvailable

$150/session

Specialties

Spirituality
Depression
Women's Issues
+10
Hi I'm Madelyn. I'm an LCSW licensed in TN, and I've spent years doing trauma-informed work, starting with young moms experiencing homelessness in NYC. I believe your body and mind carry stories, and those stories shape how you move through everyday life. My practice is a holistic, and relational. I'll meet you as a real person, not a diagnosis, and we'll figure out what actually helps.
Available

$150/session

Authentic
Warm
Empowering

Specialties

Spirituality
Anxiety
Grief
+9
Hi. It's nice to meet you! I am a mental health therapist that is located in Nashville, TN. I serve clients struggling with mood disorders, life transitions, trauma, grief, and eating disorders. I have two years of experience working in a residential facility for the treatment of eating disorders and a year working with substance use disorders in the underserved community. Client's often share that through our work, they have found a greater sense of self acceptance, learned how to regulate emotions, and developed practice tools to navigate daily challenges. They describe feeling more hopeful, more connected, and better equipped to live in alignment with their values. Witnessing these shifts- seeing clients move from pain and self-doubt to resilience and empowerment- is at the heart of why I do this work.
VirtualAvailable

New to Grow

$150/session

Specialties

Spirituality
Anxiety
Depression
+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

$100/session

Authentic
Solution oriented
Direct

Specialties

Spirituality
Couples Counseling
Grief
+10
Hello, I am a Licensed Marriage and Family Therapist. I am Licensed in the State of Tennessee and North Carolina. I have been practicing as a counselor for the past 4 years however I have been providing counseling services as a Military Chaplain for 20 years and have retired from the Military after over 30 years of service. I see individuals, couples, and families from all walks of life going through many difficult situations. I have walked with them through times of grief, anxiety, loss, separation, suicidal thoughts, etc. I have seen how choosing the right therapist can help a person get through, from the person's perspective, some of life’s hardest times.
VirtualAvailable

$120/session

Empowering
Authentic
Warm

Specialties

Spirituality
Couples Counseling
Family Therapy
+5
Hi I am Kendra Simmons. Taking the first step toward improving your mental wellness is something to be proud of. Therapy can feel intimidating, especially when it’s misunderstood as a sign that something is “wrong.” In truth, it’s a healthy and proactive way to care for yourself. Everyone deserves a safe place to explore their experiences, heal, and find clarity. Whether you’re preparing for marriage, feeling overwhelmed in your relationship, navigating blended family dynamics, or managing personal struggles, I offer personalized support to help you move forward. My work centers on open communication, mutual trust, and meaningful understanding, empowering you to grow through every season of life.
Available

$125/session

Authentic
Warm
Intelligent

Specialties

Spirituality
Trauma and PTSD
Anxiety
+2
With over two decades of experience in diverse community settings, I am a seasoned Licensed Mental Health Counselor and Life Coach. I have a master’s degree, and I have certificate in life coaching. I will integrate various modalities including CBT, solution-focused therapy, EMDR, and spiritual practices as desired to support individuals on their journey towards mental wellness and personal growth.
VirtualAvailable

$99/session

Warm
Authentic
Solution oriented

Specialties

Spirituality
Anxiety
Self Esteem
+4
Welcome! Feeling stuck? Exploring what it means to live authentically? A woman seeking to create deeper/improved connections in relationships or your marriage, a mother striving for balance, or someone navigating a specific challenge. If so, I’d love to help. I’m Jenny, a 44y/o Licensed Professional Counselor with over 15 years of experience. I grew up in Middle Tennessee, surrounded by animals and Faith. Parents owned veterinary practices, mom served as a youth director, instilling in me a love for animals and a strong Christian Faith. Married 21 years to a wonderfully supportive husband. Marriage can be challenging, but I believe it’s one of life’s most rewarding journeys when approached with unconditional love and commitment. Together, we’ve weathered highs and lows, and through it all, I’ve learned every challenge is just data and an opportunity for growth. Blessed with two intelligent and vibrant daughters who keep life interesting and continually teach me about resilience, perspective, and love. Since early teen, I’ve been “go-to” person for friends and family during struggles, which inspired my passion for counseling. Hold Bachelor’s in Psychology from UTK, and Master’s in Counseling and Human Development. I’ve worked in diverse mental health settings, including women’s prisons, crisis units, inpatient, outpatient, substance abuse, and private practice. These experiences have equipped me to work with a diverse range of clients and issues. Rest assured—nothing you share will shock me! I believe you are your own best counselor and know yourself best. My role is to guide you, provide reassurance, and equip you with tools to help you navigate life’s challenges with confidence and resilience. Together, we’ll create a safe and meaningful space to process your experiences, explore solutions, and rediscover your balance. Ready to embrace growth and find your balance? I’d be honored to support you on this journey!
VirtualAvailable

$115/session

Authentic
Warm
Solution oriented

Specialties

Spirituality
Anxiety
Depression
+10
Hello, my name is Julie Phillips and I am a Licensed Clinical Social Worker. I believe in supporting each other and one way I can support you is through therapy. Whether you need to process a stressful event or need to vent I am here to support you. I strive to tailor your session to meet your needs. Some sessions may need to be more strictly focused with Cognitive Behavioral Therapy, while other sessions are spent on learning a new coping skill such as mindfulness. Your session is about you and what may help you the most to resolve what issues you may have and to help you find your strength and empower you to keep moving forward. My aim is to make you, the client, feel comfortable in a judgement free zone. I want you to feel like you came to the right place, a warm inviting, calm, and empowering space where you can share what you feel you need to share.
VirtualAvailable

$150/session

Authentic
Solution oriented
Direct

Specialties

Spirituality
Addiction
Anxiety
+3
As a clinical mental health therapist and high-performance coach, I am passionate about helping men navigate the complexities of life. Specializing in identity, anxiety, depression, career challenges, resilience, perfectionism, communication, and conflict, I offer a tailored approach that fits the unique needs of each client. My mission is to help high-performing individuals like you not just survive, but thrive, both personally and professionally.
VirtualAvailable

$130/session

Authentic
Intelligent
Humorous

Specialties

Spirituality
Anxiety
Dissociative Disorders
+24
I have been doing clinical counseling for 28 years, and unlike most providers, I have a doctorate degree in counseling. I believe that the extra education helps me to provide more thorough, informed, and helpful feedback for clients. I currently provide therapy on a broad range of issues including trauma, anxiety, substance abuse and mood disorders. I am also comfortable working with sexual, gender, and eating issues. I have experience as well with neurodivergence and autism spectrum clients. My passion in a clinical setting involves working with trauma and dissociation, in particular clients with Dissociative Identity Disorder. I believe in giving you tangible feedback and practical solutions. I intend to demystify the process of counseling so that you can truly benefit from your work. In terms of my own self-care I enjoy walking outdoors as a means of reconnecting with nature. Recently, I rediscovered tennis, and have been playing doubles with a local group twice a week. I also recently started playing ping pong and pickleball.
VirtualAvailable

$80/session

Empowering
Solution oriented
Authentic

Specialties

Spirituality
Coping Skills
Grief
+4
It takes courage to surrender and reach out for help. I help people who are in Transition in their lives, whether it is loss of a person, a pet, a job, a relationship, or the secondary losses experienced through chronic illness, chronic pain and terminal diagnosis. I am a Transition Specialist helping people to be able to cope through the changes with dignity and grace. Lowering anxiety levels, frustration levels and assisting people in being able to manage the big emotions, difficult decisions and sometimes challenging relationships while going through the changes and transitions in life.
VirtualAvailable

$150/session

Warm
Authentic
Empowering

Specialties

Spirituality
Anxiety
Depression
+5
I am a licensed therapist dedicated to helping adults navigate life’s challenges with clarity, confidence, and compassion. My goal is to provide a safe, supportive space where clients can explore their thoughts, emotions, and experiences without judgment. I believe everyone has the capacity for growth, healing, and fulfillment, and therapy can be a powerful step toward reaching that potential. I work with women and men who are managing stress, anxiety, perfectionism, or significant life transitions such as parenthood, career shifts, or relationship changes. Many of my clients are striving to balance multiple roles while also wanting to prioritize their own happiness and well-being. In our work together, I may use different modalities such psychodynamic, cognitive, humanistic, and group therapy to meet each client’s unique needs. We may explore underlying patterns, identify and shift unhelpful thought processes, and build on existing strengths. My role is to support clients in gaining insight, developing effective coping tools, and creating healthier ways of thinking, feeling, and relating. Clients often leave therapy with a deeper sense of self, improved resilience, and the confidence to make meaningful changes. My mission is to empower both women and men to move beyond what holds them back and build lives of balance, purpose, and fulfillment.
VirtualAvailable

$85/session

Solution oriented
Authentic
Intelligent

Specialties

Spirituality
Anxiety
Couples Counseling
+7
Hello there! I believe that a person can change. I also beleive that each person deserves to feel heard and respected. My goal for you is to feel as though you can work through your issues and learn to manage your life, be content with who you are, and be happy. I work with individuals to remediate any number of issues in their lives, to make decisions, and to manage difficult cognitive or emotional experiences. I work with couples to learn to address conflict, learn new skills, and learn how to live lives together. I think of counseling as a process where you and I build a relationship and work together to address whatever issues are impacting you. I'm a holistic counselor, meaning that I will help you explore multiple aspects of your life, including how you engage socially, how you think about situations, how you manage or express your emotions, your behaviors and skills, the quality of your interactions with family and friends, and other areas. I believe that we all have untapped resources, both internal and external, that we can use to make our lives better. In terms of my background, I have worked in non-profit and two private practice environments. I have also served as a faculty member in clinical mental health counseling programs since 2011. I train future generations of counselors to work with people. I hold several licenses and certifications. I am a Nationally Certified Counselor as well as a Licensed Mental Health Counselor in Florida and a Licensed Professional Counselor in Tennessee. I am also a Qualified Supervisor in Florida. I have published several manuscripts, a book on the assessment and treatment of trauma and I have current works in press. conventions.
VirtualAvailable

$100/session

Authentic
Warm
Direct

Specialties

Spirituality
Anxiety
Couples Counseling
+9
I have 25 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.
VirtualAvailable

$120/session

Solution oriented
Authentic
Direct

Specialties

Spirituality
Anxiety
Life Transitions
+8
I am a Licensed Professional Counselor – Mental Health Service Provider (LPC-MHSP) with seven years of experience helping individuals navigate life’s challenges and work toward meaningful change. My background includes working with clients across a wide range of ages, from adolescents to older adults, which has given me a strong understanding of the unique needs and perspectives at different stages of life. I hold a Bachelor’s degree in Psychology and a Master of Science in Counseling, which provide the foundation for my work in mental health.
VirtualAvailable

$125/session

Authentic
Warm
Intelligent

Specialties

Spirituality
Family Conflict
Trauma and PTSD
I'm Kirk Henderson, and I provide therapy using Cognitive Behavioral Therapy, Emotion Focused Therapy, Eye Movement Desensitization Reprocessing, and Solution-Focused Therapy. I have years of experience treating Major Depressive Disorder, Bipolar Depression, Anxiety, Phobias, Trauma, and Grief. I help clients navigate life transitions such as career change, divorce, and staying in a difficult marriage successfully. I work with couples experiencing marital conflict to find a new place of intimacy and connectedness. Having a background in pastoral ministry, I am also able to provide faith-based interventions for those clients who require a spiritual dynamic in the counseling experience. Please feel free to call me with any questions, or to set up an initial consultation, and I will be glad to assist you in your journey towards peace and wholeness, and relationship success.
VirtualAvailable

$150/session

Authentic
Open-minded
Solution oriented

Specialties

Spirituality
Anxiety
Depression
+10
Hello! I am so glad you have made the decision towards making positive changes for yourself. I specialize in helping my clients who are struggling to manage emotions and behaviors that are interfering with their daily functioning in areas such as personal relationships, work, parenting, school, etc. These struggles may be the result of a single event that threatened survival, like a car accident, or from a chronic history of trauma and loss. Or maybe one struggles to manage their emotions and behaviors but they do not understand why. Maybe a person's life seems pretty good or even great. But they're puzzled as to why they feel the way they do. One may have thought "I have no reason to feel this way." I invite you to explore with me the possible origins of these thoughts and feelings. There are times we all need help and support.
VirtualAvailable

$125/session

Warm
Open-minded
Authentic

Specialties

Spirituality
Anxiety
Couples Counseling
+8
I’m a Licensed Marriage & Family Therapist, and I believe therapy works best when it feels safe, collaborative, and human. I bring empathy, a sense of humor, and a strong focus on building a genuine therapeutic connection. I also believe you should set the pace for counseling — this is your space, and we move in a way that feels right for you.
VirtualAvailable

$145/session

Warm
Empowering
Humorous

Specialties

Spirituality
Anxiety
Foster Care/Adoption
+7
Our past experiences often influence how we view ourselves and interact in relationships. Sometimes, those patterns stem from pain and continue to affect us in ways that can keep us feeling stuck or disconnected. If you’re seeking healing and growth with a desire to or break negative cycles and are ready for change, I’d be honored to help you navigate what comes next and walk alongside you.
VirtualAvailable

$100/session

Open-minded
Direct
Intelligent

Specialties

Spirituality
Anger Management
Couples Counseling
+9
I am a master’s level therapist independently licensed in Ohio LPCC (S) and Tennessee LPC-MHSP (AS), and an approved supervisor in both states. I offer flexible supervision availability and have extensive experience working with individuals and couples across a range of concerns, including anxiety, depression, trauma, relationship issues, and the unique needs of first responders and military personnel. I provide personalized treatment plans tailored to each client’s current needs and offer teletherapy with flexible scheduling options—weekly, bi-weekly, or monthly. I aim to make the therapy process as comfortable and accessible. I specialize in anxiety disorders, depression, trauma, and relationship issues. I have also worked with first responders, veterans, and correctional workers. I have training in Cognitive Behavioral Therapy, Dialectical Behavior Therapy, Acceptance and Commitment Therapy, and Clinical Trauma Counseling. I want to meet you right where you are and help you get to where you want to be. I know this process can be difficult so whatever I can do to make it just a little easier is what I will do. Let's see if we can get there together.
VirtualAvailable

$115/session

Open-minded
Solution oriented

Specialties

Spirituality
Anxiety
Life Transitions
+1
I am a Licensed Marriage and Family Therapist with 10+ years of experience working across outpatient therapy, in-home services, and telehealth settings. I currently work with adults who are navigating anxiety, stress, and life transitions and are looking for a supportive, grounded space to better understand themselves and move forward with clarity. My approach is collaborative and integrative, drawing from evidence-based modalities such as CBT, ACT, attachment-based therapy, and solution-focused techniques. I focus on helping clients develop practical coping skills while also exploring deeper patterns related to relationships, identity, and emotional well-being. Many of the individuals I work with are high-functioning but feeling overwhelmed, stuck, or disconnected from the direction they want their life to take. In therapy, we work together to create more stability, self-understanding, and alignment with personal values and goals. For clients who desire it, I also offer faith-based counseling and can integrate spiritual beliefs into the therapeutic process as part of healing and growth.
Available

$100/session

Warm
Empowering
Solution oriented

Specialties

Spirituality
Anxiety
Coping Skills
+7
Hi, I’m Charity. Taking that first step toward therapy is brave, and I’m here to help. With 12 years of experience in mental health, military and medical care, I use practical tools like CBT to help you manage stress. My goal is to create a compassionate, safe space where you feel heard and fully empowered to make meaningful life changes.
VirtualAvailable

$130/session

Warm
Holistic
Authentic

Specialties

Spirituality
Anxiety
Coping Skills
+7
Hello! My name is Sarah Hirsch and I'm a licensed psychotherapist (LPC) in Tennessee & Michigan. I've been working in behavioral health for over 30 years. I'm also a Duke Integrative Medicine Certified Health & Wellness Coach. I am intentional, considerate, and sensitive to the unique stories, and backgrounds of each client I connect with during the therapeutic process. We will work together collaboratively in a therapeutic partnership. I'll hold a space that is open and without judgment, encouraging the authenticity of your thoughts and feelings to identify effective individualized therapeutic solutions and tools that help foster greater insight, perspective, and ensure your success in making positive, transformational life changes. Therapeutic telehealth services are rendered from a whole-person perspective which honors the strengths and uniqueness of each individual's needs using an integrated, biopsychosocial approach that explores the psychological interconnections between mind, behavior, and health, to promote an increased quality of life and wellness in mind, body, and spirit. I look forward to meeting you!
VirtualAvailable

$95/session

Authentic
Solution oriented
Humorous

Specialties

Spirituality
Addiction
ADHD
+5
I am a licensed independent clinical social worker with over 14 years of experience working as a clinician, therapist , and crisis interventionist. I have worked with clients with a wide range of concerns including depression, anxiety, substance use problems, psychosis, and ADHD. I also helped people who have experienced trauma and/or emotional abuse. I would like to clarify my expertise does not include eating disorders, or pornography addiction, although I do understand some of the symptoms and causes. My therapy style is genuine and solution focused.. I believe in treating everyone with respect, sensitivity, and compassion. My approach is dialectical behavioral based with strengths perspective and motivational interviewing. Any treatment plan to meet your needs will be collaborative, timely, and with measurable goals. Usually following the "S.M.A.R.T." goal format. Specific, measurable, achievable, relevant, and timely. I have worked extensively in crisis intervention in the agency and on the streets, in hospitals, and in mental health courts and case management agencies, and have managed in this capacity. I also have many years experience related to substance use disorders and have worked as a therapist utilizing primarily Dialectical Behavioral Therapy as my main approach as well as utilizing Cognitive Behavior Therapy . These tools can be modified in a number of ways to help clients achieve their goals . Regardless of any experience, upbringing, current, or past situation, everyone has choices they can make that best serves them and the life they want to live. I look forward to working with you!
VirtualAvailable
Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in Tennessee. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Tennessee from Memphis to Knoxville! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Tennessee.

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need. For example, your selected specialty, Spirituality, is filtering therapists in Tennessee that work with patients with similar concerns.

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.